As a guide for landlords in Scotland, this article provides essential information about the types of insurance needed to protect rental properties and investments. It's important to consider factors such as property type, location, and individual circumstances when selecting the right insurance coverage.

Landlord insurance can help protect you against a range of potential financial losses, and cover can protect you from paying out for:

  • Accidental damage
  • Damage to landlords contents including white goods
  • Legal costs
  • Loss of rent
  • Fire or flood
  • Theft

Here are some common insurance options for landlords in Scotland:

Landlord Building Insurance

This coverage safeguards rental property structures against perils like fire, floods, storms, vandalism, or subsidence. It includes the cost of rebuilding or repairing the property.

Landlord Contents Insurance

While building insurance covers the structure, contents insurance protects the landlord's personal belongings provided in the rental property, such as furniture and appliances.

Rent Guarantee Insurance

This insurance protects landlords from rental income loss due to tenant non-payment, and it may cover legal costs related to eviction proceedings.

Accidental Damage Insurance

Also known as tenant's liability or renter's insurance, this coverage includes the tenant's liability for property or content damage. This can pay for the costs of replacing or repairing items broken due to an insured accident. It may be required in some tenancy agreements.

Loss of Rent and Alternative Accommodation

This can cover the cost of lost rent and somewhere for your tenants to stay if they have to move out due to an insured event such as fire or flood.

Public Liability Insurance

This coverage handles legal expenses and compensation if a third party, such as a tenant or visitor, is injured or their property is damaged due to landlord negligence.

Employer's Liability Insurance (if applicable)

If you employ anyone like a property manager or maintenance personnel, employer's liability insurance is legally required to cover workplace-related injuries and illnesses.

Legal Expenses Insurance

This insurance covers legal costs associated with property disputes, including eviction proceedings, property damage claims, or contract disputes with tenants.

Home Emergency Cover

This assistance provides support for urgent repairs such as boiler breakdowns, burst pipes, or electrical faults. It ensures a quick response to emergencies that could disrupt the property or inconvenience tenants.

Landlord Liability Insurance

This coverage safeguards landlords against claims made by tenants for injuries or damages resulting from the landlord's negligence.

Unoccupied Property Insurance

If your property is vacant for an extended period, standard insurance policies may not cover it. Unoccupied property insurance provides coverage during these vacant periods.

Flood Insurance

In areas prone to flooding, landlords may need additional flood insurance to protect against damage caused by floods. This is typically an optional add-on to standard building insurance.

HMO (House in Multiple Occupation) Insurance

If you have an HMO property, which is a property rented by three or more people from different households, you may need specialised HMO insurance to meet regulatory requirements.


It's important for landlords to carefully assess their needs and consider consulting with insurance professionals to tailor coverage to their specific situation. Additionally, it's crucial to stay updated on any legal requirements and regulations regarding landlord insurance in Scotland, as they may change over time.