Landlord Insurance
Why choose ripe for landlord insurance?
We know being a landlord isn't easy. You're juggling tenants, tradespeople, mortgages and everything in between. Your insurance shouldn't be another headache. Here's what you get through Ripe.
Talk to a real person, based in the UK.
Got a question? Need to make a change? You'll get through to our UK-based team in Stockport — no chatbots, no endless menus. Just people who know landlord insurance inside out.
Cover for a wide range of tenants
Letting to students? Tenants on benefits? Running a short-term let? You don't have to search around for a specialist insurer; we cover a wide range of tenant types as standard, so you get the right policy without the runaround.
Rent guarantee, activated within 48 hours
If your tenant stops paying, you need help fast. Our rent guarantee kicks in within 48 hours of a missed payment, paying you up to £2,500 a month for up to 12 months, with legal expenses support to help you through any eviction.
What does landlord insurance through Ripe cover?
What's included
The essentials, in every Ripe landlord policy.
-
Buildings cover
Protection for the bricks-and-mortar against fire, flood, escape of water and other insured events — based on your rebuild value. -
Property owners' liability
£2 million as standard, covering injury to tenants, visitors and tradespeople on site. -
Loss of rent
Up to 12 months of rental income if the property becomes uninhabitable after an insured event.
Full terms and exclusions are in the Policy Wording and IPID.
What you can add
Tailor your policy with extra cover where you need it.
- Malicious damage by tenants
Cover for deliberate damage caused by your tenants, with limits you can choose at quote. - Theft by tenants
Protection against theft of fixtures, fittings or contents by the people living in your property. - Rent guarantee
Up to £2,500 a month for up to 12 months if your tenant stops paying, plus legal expenses for eviction.
Full terms and exclusions are in the Policy Wording and IPID.
Getting covered is easy
Step 1
Build your quote online
Tell us about your property and tenants, and you'll see your price in minutes.
Step 2
We make sure you have the right cover
We'll check your policy fits your property and tenants — so nothing important is missing, and you're not paying for cover you don't need.
Step 3
Cover starts when you do
Your documents land in your inbox straight away. Pay monthly or annually, with a 14-day cooling-off period if you change your mind.
Step 4
We're here if you need us
Whether something changes, or you need to make a claim, you can talk to our UK-based team any time.
Check out some of our great reviews
Based on 30,806 reviews on
we have been rated on average as Excellent.
"Quick and easy cover"
I got a quick quote online, which was an incredibly easy process. The customer service team were great when I contacted them with a few questions. Highly recommended.
Adele January 2026
Adele
"Very affordable"
Very straightforward, good price, and great customer service. Thanks!
Marta March 2026
"Great customer service"
Peter, the agent I spoke to, was so helpful and understanding. He explained everything in detail. Couldn’t fault anything.
Andrew February 2026
FAQs
Your questions, answered.
Not by law — but most mortgage lenders will require it as a condition of your buy-to-let mortgage. A standard home insurance policy won't cover a property you rent out, so you could be left with no protection at all.
Yes. In that case, you'll typically just need contents, rent guarantee and liability cover. We'll only quote you for what you actually need.
Straight away. Once you've paid, your policy goes live from the time you choose — today, tomorrow, or up to 30 days out. Your documents will be in your inbox within a minute.
We'll cover them. Plenty of mainstream insurers quietly decline these policies or load the premium. We place them with specialist insurers at fair rates.
Wear and tear, poor maintenance, wilful damage by the policyholder, and any illegal activity by tenants that you know about. Take a look at the 'What isn't covered' tab above for the full list.
Yes. Your account is your one-stop shop — view documents, make changes, add cover, and renew, all without picking up the phone. If you do want to speak to someone, our UK-based team is one click away.