[{"data":1,"prerenderedAt":318},["ShallowReactive",2],{"schema:\u002Fbusiness-insurance\u002Fguides\u002Flandlord-vs-tenant-obligations\u002F":3},{"elements":4,"system":312},{"post__title":5,"post__summary":9,"post__content":12,"post__author":26,"post__reviewer":99,"publish_date":151,"updated_date":156,"url":159,"seo__meta_title":162,"seo__meta_description":164,"seo__add_no_index_tag":166,"seo__canonical_url":169,"related_articles":171,"categories":175,"subfolder":239,"tags":271,"thumbnail_image":286,"show_on_index_page":294,"hide_author":300,"hide_reviewer":304,"hide_tags":308},{"name":6,"type":7,"value":8},"Title","text","Landlord vs tenant obligations: who is responsible for insurance?",{"name":10,"type":7,"value":11},"Summary","Do you know which insurance you need to sort as a landlord and which is down to your tenants? Find out what your obligations are now.",{"images":13,"linkedItemCodenames":20,"linkedItems":21,"links":22,"name":23,"type":24,"value":25},[14],{"description":15,"imageId":16,"url":17,"height":18,"width":19},"Bionic branded image with title 'landlord vs tenant insurance' with image of female tenant in her flat in the background.","774c16d7-7105-40ed-839b-815e8740895a","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F5cda04cf-ec76-4f39-ba8c-266cb135558d\u002FLandord%20vs%20tenant%20insurance%20%281%29.jpg",1415,2118,[],[],[],"Content","rich_text","\u003Cp>As a landlord, you might be wondering what insurance you need to sort and what should be left to your tenants. Whether you’re a new landlord or have been a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fresidential-landlord\u002F\">residential\u003C\u002Fa> or \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcommercial-property\u002F\">commercial landlord\u003C\u002Fa> for a while, you’ll want to get clear on \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fgovernment\u002Fpublications\u002Flandlord-and-tenant-rights-and-responsibilities-in-the-private-rented-sector\u002Flandlord-and-tenant-rights-and-responsibilities-in-the-private-rented-sector#landlords-rights-responsibilities-and-advice\">landlord and tenant insurance obligations\u003C\u002Fa> so you don’t get it wrong and get the right cover sorted. \u003C\u002Fp>\n\u003Cp>In this guide, we break down what’s included in landlord insurance and what insurance tenants need to arrange. We’ll also explain how the right landlord insurance policy can help you stay protected and keep your property in check. Read on to find out more. \u003C\u002Fp>\n\u003Cp>\u003Cem>\u003Csub>We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek your own professional advice.\u003C\u002Fsub>\u003C\u002Fem>\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"774c16d7-7105-40ed-839b-815e8740895a\" data-image-id=\"774c16d7-7105-40ed-839b-815e8740895a\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F5cda04cf-ec76-4f39-ba8c-266cb135558d\u002FLandord%20vs%20tenant%20insurance%20%281%29.jpg\" data-asset-id=\"774c16d7-7105-40ed-839b-815e8740895a\" data-image-id=\"774c16d7-7105-40ed-839b-815e8740895a\" alt=\"Bionic branded image with title 'landlord vs tenant insurance' with image of female tenant in her flat in the background.\">\u003C\u002Ffigure>\n\u003Ch2>Landlord insurance responsibilities \u003C\u002Fh2>\n\u003Cp>As a landlord, you carry the responsibility of insuring the structure of your rental property and protecting your income from it. While tenants are usually responsible for insuring their own belongings that they keep inside the property, the actual property itself lies with you. \u003C\u002Fp>\n\u003Cp>This type of protection is typically covered in a comprehensive landlord insurance policy, which can include building insurance, loss of rent insurance and landlord’s contents insurance. Let’s take a closer look at these insurance types and what they cover. \u003C\u002Fp>\n\u003Cp>For more information on how the \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Flandlords\u002Fwhat-the-renters-rights-act-means-for-landlords-and-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Renters Rights Act will impact landlord insurance in 2026\u003C\u002Fa>, read our helpful guide.\u003C\u002Fp>\n\u003Ch3>Buildings insurance \u003C\u002Fh3>\n\u003Cp>In most cases, landlords are responsible for arranging insurance for the physical structure of the property, particularly where required under a mortgage or lease agreement. Buildings insurance is a type of cover specifically designed to help protect the property itself, providing cover if the building is damaged and needs repair. \u003C\u002Fp>\n\u003Ch4>What does buildings insurance cover? \u003C\u002Fh4>\n\u003Cp>Landlord buildings insurance usually covers loss or damage caused by: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Fire, explosion, storms, floods, earthquakes \u003C\u002Fli>\n  \u003Cli>Theft, attempted theft and vandalism \u003C\u002Fli>\n  \u003Cli>Frozen and burst pipes \u003C\u002Fli>\n  \u003Cli>Fallen trees, lampposts, aerials or satellite dishes \u003C\u002Fli>\n  \u003Cli>Subsidence \u003C\u002Fli>\n  \u003Cli>Vehicle or aircraft collisions. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Your buildings insurance should cover the full \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Flandlords\u002Frebuild-cost-vs-market-value\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">cost to rebuild your property\u003C\u002Fa> from scratch. This could also include the costs of site clearance, labour and architects' fees. \u003C\u002Fp>\n\u003Cp>Policies will vary per insurer, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. \u003C\u002Fp>\n\u003Ch4>What doesn't buildings insurance cover? \u003C\u002Fh4>\n\u003Cp>Landlord buildings insurance doesn’t cover claims that arise from poor workmanship or maintenance, or unauthorised or undeclared alterations to the property, such as extensions you haven’t told your insurer about. \u003C\u002Fp>\n\u003Ch3>Loss of rent insurance \u003C\u002Fh3>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Flandlords\u002Fwhat-loss-of-rent-actually-covers\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Loss of rent insurance\u003C\u002Fa> is a type of business insurance specifically designed to help protect landlords if their property becomes uninhabitable due to an insured event, such as a fire or flood, and tenant(s) have to move out. Loss of rent will only apply if you have a valid tenancy agreement in place. If the property is empty and becomes damaged you cannot claim loss of rent, it is just for rental income you would have received because you had a tenant in situ at the time of the loss. \u003C\u002Fp>\n\u003Ch4>What can loss of rent insurance cover? \u003C\u002Fh4>\n\u003Cp>Loss of rent insurance can typically include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>If the tenant finds temporary accommodation whilst the property in uninhabitable, but they continue to pay the rent, loss of rent cover may extend to cover the cost of that temporary accommodation. \u003C\u002Fli>\n  \u003Cli>If the tenant stops paying rent and they pay for the alternative accommodation themselves, insurers may pay the landlord the rent they should've been owed whilst the tenant pays for their temporary accommodation.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>It's worth noting, you might have \u003Cem>both covers\u003C\u002Fem> on a policy but \u003Cem>only one would operate at a time\u003C\u002Fem>. Policies will vary per insurer, and terms and conditions apply, so always check the small print in your own policy wording to see what’s included and excluded. \u003C\u002Fp>\n\u003Ch4>What doesn’t loss of rent insurance cover? \u003C\u002Fh4>\n\u003Cp>While it’s best to check with your insurer exactly what they do and don’t provide cover for, as a general rule, loss of rent insurance doesn’t cover periods where the property is not occupied or if the tenant decides to stop paying the rent.\u003C\u002Fp>\n\u003Ch3>Landlord contents insurance \u003C\u002Fh3>\n\u003Cp>If your property is furnished, you should consider landlord contents insurance. This type of cover can help protect \u003Cem>your\u003C\u002Fem> own belongings within the property (not the tenant’s) against damages from an insured event like fire or flood. This type of insurance is useful if you rent out a furnished property as part of the tenancy, where the furniture and fittings are yours.\u003C\u002Fp>\n\u003Ch4>What does landlord contents insurance cover? \u003C\u002Fh4>\n\u003Cp>Landlord contents insurance typically covers: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Repair or replacement costs for damage to contents \u003Cem>you own\u003C\u002Fem> \u003C\u002Fli>\n  \u003Cli>Items such as carpets, furnishings and light fittings \u003C\u002Fli>\n  \u003Cli>Belongings provided as part of a furnished rental property \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Policies will vary per insurer, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. \u003C\u002Fp>\n\u003Ch4>What doesn’t landlord contents insurance cover? \u003C\u002Fh4>\n\u003Cp>Landlord’s contents does \u003Cem>not cover\u003C\u002Fem> the tenant’s personal belongings, such as clothes, electronics and furniture, general wear and tear, maintenance issues and deliberate damage by the tenant. The tenant is responsible for arranging contents insurance. \u003C\u002Fp>\n\u003Ch2>Tenant insurance responsibilities \u003C\u002Fh2>\n\u003Cp>Tenants are normally responsible for protecting \u003Cem>their own \u003C\u002Fem>belongings while living in a rented property. While the landlord insures the building and any items or furnishings provided, tenants must arrange cover for their own possessions.\u003C\u002Fp>\n\u003Ch3>Tenant contents insurance \u003C\u002Fh3>\n\u003Cp>If a tenant rents a property, they are responsible for arranging insurance for personal belongings, including any business supplies or stock (if applicable). The responsibility applies whether the tenant is living in a residential property or a commercial property.  \u003C\u002Fp>\n\u003Cp>A tenant living in a residential property (as a home) should look consider contents insurance. \u003C\u002Fp>\n\u003Cp>It ensures you’re financially protected if your belongings are damaged, stolen or destroyed, giving you peace of mind that you won’t have to replace everything out of pocket if something goes wrong. \u003C\u002Fp>\n\u003Cp>Policies will vary per insurer, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. \u003C\u002Fp>\n\u003Ch4>What does contents insurance cover? \u003C\u002Fh4>\n\u003Cp>Contents insurance typically covers: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Theft, fire or flood damaging or destroying your belongings or equipment \u003C\u002Fli>\n  \u003Cli>Accidental damage to the property you occupy (sometimes called tenant liability cover) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Without this cover, you’d have to pay for replacements or repairs yourself in the event of a fire, floor or other insured event. \u003C\u002Fp>\n\u003Ch4>What doesn’t contents insurance cover? \u003C\u002Fh4>\n\u003Cp>Standard contents policies won't cover everything. Common exclusions include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Normal wear and tear \u003C\u002Fli>\n  \u003Cli>Theft without forced entry \u003C\u002Fli>\n  \u003Cli>Items outside the home or not declared on your policy \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>Comparing business insurance quotes with Bionic \u003C\u002Fh2>\n\u003Cp>At Bionic, we understand that getting the right cover in place for small business owners and residential and commercial landlords can help provide peace of mind. That’s why our friendly, UK-based team is on hand to talk you through your options and help arrange cover for you, with no hassle. With decades of experience, we can help you compare insurance quotes from regulated providers, so you can choose cover that suits your property business.  \u003C\u002Fp>\n\u003Cp>Policies vary per insurer, and limits and exclusions apply. Always check your own policy schedule to see what cover is and isn’t included.\u003C\u002Fp>\n\u003Ch2>Landlord vs tenant FAQs \u003C\u002Fh2>\n\u003Ch3>Who is responsible for buildings insurance on a rental property? \u003C\u002Fh3>\n\u003Cp>Landlords are normally responsible for arranging buildings insurance to protect their property structure – this includes foundations, brickwork for example, but not the items owned within it. \u003C\u002Fp>\n\u003Ch3>Do tenants need contents insurance? \u003C\u002Fh3>\n\u003Cp>Although not a legal requirement, tenants – whether businesses or families should consider contents insurance to help protect their personal belongings in case an expected event. \u003C\u002Fp>\n\u003Ch3>Who pays if the property becomes uninhabitable after damage? \u003C\u002Fh3>\n\u003Cp>Landlord loss of rent insurance may cover lost rental income and, where specified in the policy, the cost of alternative accommodation for tenants following a valid claim for an insured event, subject to policy limits and the selected indemnity period. \u003C\u002Fp>\n\u003Ch3>Who handles damage caused by tenants? \u003C\u002Fh3>\n\u003Cp>Cover for damage caused by tenants will depend on the policy. Most policies exclude deliberate or malicious damage unless specifically specified, but this is uncommon. \u003C\u002Fp>\n\u003Ch3>Can I evict a tenant for not having insurance? \u003C\u002Fh3>\n\u003Cp>You can’t evict a tenant for not having contents insurance in place. But, as a landlord, you can ask them to take out contents' insurance as requirement under the tenancy agreement. \u003C\u002Fp>\n\u003Ch3>How can I compare landlord insurance quotes in the UK? \u003C\u002Fh3>\n\u003Cp>You can use a business insurance broker, like Bionic. We are FCA regulated and we can help provide quotes from trusted insurers so you can make an informed decision and protect your property. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Compare business insurance quotes with Bionic\u003C\u002Fa>\u003C\u002Fp>",{"name":27,"type":28,"value":29,"linkedItems":31},"Author","modular_content",[30],"author___laura_court_jones",[32],{"elements":33,"system":91},{"name":34,"title":37,"linkedin":39,"twitter":42,"intro":45,"body":52,"slug":59,"image":63,"seo__meta_title":75,"seo__meta_description":78,"seo__add_no_index_tag":81,"seo__canonical_url":88},{"name":35,"type":7,"value":36},"Name","Laura Court-Jones",{"name":6,"type":7,"value":38},"Small Business Editor",{"name":40,"type":7,"value":41},"Linkedin Address","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Flaura-court-jones-b731b6a3\u002F",{"name":43,"type":7,"value":44},"Twitter Address","https:\u002F\u002Ftwitter.com\u002FBionic_Business",{"images":46,"linkedItemCodenames":47,"linkedItems":48,"links":49,"name":50,"type":24,"value":51},[],[],[],[],"Intro","\u003Cp>Laura Court‑Jones is Small Business Editor at Bionic. She creates clear, practical content on UK business insurance and utilities. With 10+ years’ experience in content and digital marketing, Laura's content aims to educate small business owners to help them make more confident decisions.\u003C\u002Fp>",{"images":53,"linkedItemCodenames":54,"linkedItems":55,"links":56,"name":57,"type":24,"value":58},[],[],[],[],"Body","\u003Cp>Laura Court‑Jones is our Small Business Editor at Bionic, where she researches and creates practical content on UK business insurance, energy and broadband for small business owners. She turns complex insurance topics into clear, actionable takeaways to help business owners make more confident decisions.  \u003C\u002Fp>\n\u003Cp>Laura has over 10 years of experience creating content for a variety of topics, including insurance and utilities. Since joining Bionic in 2023, Laura has created multi-format content to help UK small businesses understand their risks and insurance needs.\u003C\u002Fp>\n\u003Cp>She holds a bachelor's degree, with a major in content and has previously worked in digital marketing roles where she planned, researched and edited customer‑first content across web and social channels. Outside of work, you’ll find Laura at her local fitness studio or coffee shop, supporting small businesses in South London.\u003C\u002Fp>",{"name":60,"type":61,"value":62},"Slug","url_slug","laura-court-jones\u002F",{"name":64,"type":65,"value":66},"Image","asset",[67],{"name":68,"description":69,"type":70,"size":71,"url":72,"width":73,"height":73,"renditions":74},"head-shot-sos.png","Laura Court-Jones, Small Business Editor at Bionic","image\u002Fpng",74280,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F7c353b82-35b6-4021-9d3a-1f3ffc751b89\u002Fhead-shot-sos.png",200,{},{"name":76,"type":7,"value":77},"Meta title","Laura Court-Jones | Small Business Editor at Bionic",{"name":79,"type":7,"value":80},"Meta description","Laura's experience writing for business means she can break down complex topics in energy and insurance, creating content that truly helps UK business owners.",{"name":82,"type":83,"value":84},"Add no index tag","multiple_choice",[85],{"name":86,"codename":87},"No","no",{"name":89,"type":7,"value":90},"Canonical URL","https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Flaura-court-jones\u002F",{"codename":30,"collection":92,"id":93,"language":92,"lastModified":94,"name":95,"sitemapLocations":96,"type":97,"workflowStep":98,"workflow":92},"default","7f9ace33-dd62-4f75-ad64-b2c9f73499cb","2026-01-12T10:45:49.8493442Z","AUTHOR - Laura Court-Jones",[],"author","published",{"name":100,"type":28,"value":101,"linkedItems":103},"Reviewer",[102],"untitled_content_item_d332501",[104],{"elements":105,"system":146},{"name":106,"title":108,"linkedin":110,"twitter":112,"intro":114,"body":120,"slug":126,"image":128,"seo__meta_title":137,"seo__meta_description":139,"seo__add_no_index_tag":141,"seo__canonical_url":144},{"name":35,"type":7,"value":107},"Tara Mitchell",{"name":6,"type":7,"value":109},"Insurance Technical Manager",{"name":40,"type":7,"value":111},"https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Ftara-mitchell-71453231\u002F",{"name":43,"type":7,"value":113},"https:\u002F\u002Ftwitter.com\u002Fbionic_business",{"images":115,"linkedItemCodenames":116,"linkedItems":117,"links":118,"name":50,"type":24,"value":119},[],[],[],[],"\u003Cp>Tara joined Bionic in 2017 where she developed the insurance team and worked on various projects, supporting our customers to find the right cover for their business needs. Tara holds the CII Certificate in Insurance and has almost 20 years of insurance experience from working in claims and loss adjusting to underwriting and broking.\u003C\u002Fp>",{"images":121,"linkedItemCodenames":122,"linkedItems":123,"links":124,"name":57,"type":24,"value":125},[],[],[],[],"\u003Cp>Tara joined Bionic in 2017 where she developed the insurance team and worked on various projects, supporting our customers to find the right cover for their business needs.\u003C\u002Fp>\n\u003Cp>Tara holds the CII Certificate in Insurance has almost 20 years of insurance experience, from working in claims and loss adjusting to underwriting and broking. At Bionic, she's now a Technical Manager and a real asset to the team. She works closely with our brokers, upskilling them with the knowledge to really help our customers find what they need. She also helps review digital content to ensure we're providing information that's technically spot on.\u003C\u002Fp>\n\u003Cp>Tara is passionate about training and developing her team as well as truly helping our customers find the policy that's right for them.\u003C\u002Fp>",{"name":60,"type":61,"value":127},"tara-mitchell\u002F",{"name":64,"type":65,"value":129},[130],{"name":131,"description":132,"type":70,"size":133,"url":134,"width":135,"height":135,"renditions":136},"Tara.png","Tara Mitchell headshot",39502,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F48db55af-344c-43a8-90eb-26a6ef19275f\u002FTara.png",287,{},{"name":76,"type":7,"value":138},"Tara Mitchell | Insurance Technical Manager | Bionic",{"name":79,"type":7,"value":140},"Tara joined Bionic in 2017 where she developed the insurance team and worked on various projects, supporting our customers to find the right cover for their business needs.",{"name":82,"type":83,"value":142},[143],{"name":86,"codename":87},{"name":89,"type":7,"value":145},"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F",{"codename":102,"collection":92,"id":147,"language":92,"lastModified":148,"name":149,"sitemapLocations":150,"type":97,"workflowStep":98,"workflow":92},"d3325019-fe90-4328-8c95-aaa51749704a","2026-06-10T09:18:40.592121Z","AUTHOR - 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