Landlord renewal up?
How to Lower UK Landlord Insurance Premium
Vet tenants, fit alarms, increase excess and avoid optional add-ons that double the price. See what works.
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The short answer
Biggest UK landlord savings come from accurate rebuild cost, raising voluntary excess, vetting tenants (working professionals beat DSS in pricing), fitting an alarm, and removing rent guarantee if you have other rental cover. Don't drop malicious damage if tenants change often.
Frequently asked
- Is rent guarantee worth it?
- Around £150/year — worth it on single-tenancy properties; less so on HMOs with diversified income.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.