Good Vibes Only..... and Landlord Insurance?!

A Guide to Landlord Insurance: What You Need to Know

When it comes to renting out your property, having the right insurance in place is essential. Standard home insurance usually won’t cover the risks that come with being a Landlord, which is why specialist Landlord insurance policies exist. They protect you, your Tenants, and your investment from the unexpected.

Below, we break down the three main types of landlord insurance cover you should consider.

Buildings Insurance

Buildings insurance is the backbone of any landlord policy. It protects the structure of your property — including walls, roofs, floors, and permanent fixtures such as fitted kitchens and bathrooms.

If your property suffers damage from events like fire, flooding, storms, or vandalism, buildings insurance covers the cost of repairs or even a full rebuild if needed. For Landlords with a buy-to-let mortgage, this type of insurance is usually a requirement from your lender.

In short, it ensures the bricks and mortar of your Edinburgh investment safeguarded.

Public Liability Insurance

Accidents can happen, and as a Landlord, you have a responsibility to provide a safe environment for your tenants and visitors. Public liability insurance offers protection if someone is injured, or if their belongings are damaged, in connection with your rental property.

For example, if a Tenant trips over a loose carpet and makes a claim against you, public liability insurance can cover legal costs and compensation. It’s peace of mind that helps protect you against the potentially high expenses of unexpected claims.

Contents Insurance

While Tenants are responsible for insuring their own personal belongings, contents insurance for Landlords covers any furnishings or appliances you provide with the property.

If you’re letting a furnished or part-furnished property, this type of policy ensures your items — such as sofas, white goods, or carpets — are protected against theft, fire, or accidental damage. Even in an unfurnished property, you may still want contents insurance to cover items like flooring, curtains or white-goods.

Final Thoughts

Landlord insurance isn’t just about ticking a box; it’s about protecting your investment and making sure you’re covered if something goes wrong. With the right combination of buildings, public liability, and contents insurance, you can rent out your property with confidence, knowing you’re safeguarded against a wide range of risks.

Speak to the Experts at Erskine Property

At Erskine Property, we work closely with landlords across Edinburgh and the Lothians to provide expert advice on all aspects of property management — including making sure you have the right landlord insurance in place.

✅ Protect your property

✅ Safeguard your tenants

✅ Reduce your risks

If you’re a landlord in Edinburgh looking for guidance, get in touch with our friendly team today.

📞 Call us on 0131 378 1840

📧 Email lettings@erskine.property

🌐 Visit erskine.financial

Let’s make your rental property work harder — and safer — for you.