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Landlord Insurance

Providing unrivalled peace of mind for property owners with tenants.

Landlord insurance to protect your investment.

Have you ever considered what might happen if your rental home was damaged, your furniture or fittings were stolen, or your tenants injured themselves while living in the property?

In the UK, landlords are not under any legal obligation to take out specialist building and/or contents cover. But we think it’s vital to have protection in place in case the worst happens. (Plus, many mortgage providers will want to see that you have arranged an insurance policy before you start taking on tenants.)

Sagic has been providing tailored landlord insurance products since 1909. Choose us, and you won’t just benefit from a responsive, highly personal service, you’ll also be partnering with one of the oldest ethical insurers in the UK. We’re owned by The Salvation Army, and our profits often support vital community projects up and down the country – which means our products and services are truly changing people’s lives every day.

What do our landlords insurance policies cover?

Buildings Insurance
Contents Insurance
Buildings & Contents Insurance
Landlords Buildings insurance covers:
Loss or damage to the buildings of your property (including garages)
Accidental damage to underground pipes and cables
Accidental breakage of fixed glass, ceramic hobs 
and sanitary ware
Alternative accommodation or loss of rent following insured damage
Trace and access to find an escape of water from any fixed water or heating installation
Public liability
Employers’ liability
Landlords Contents insurance covers:
Loss or damage to the contents of your property, including in garages
Accidental damage to glass in furniture and mirrors
Replacement locks and keys if your keys are accidentally lost or stolen
Contents (including trees, shrubs, plants and flowers) in the garden
Tenant’s liability for damages to property
Buildings:
Loss or damage to the buildings of your property (including garages)
Accidental damage to underground pipes and cables
Accidental breakage of fixed glass, ceramic hobs and sanitary ware
Alternative accommodation or loss of rent following insured damage
Trace and access to find an escape of water from any fixed water or heating installation
Public liability
Employers’ Liability
Contents:
Loss or damage to the contents of your property including in garages
Accidental damage to glass in furniture and mirrors
Replacement locks and keys if your keys are accidentally lost or stolen
Contents (including trees, shrubs, plants and flowers) in the garden
Tenant’s liability for damages to property
Ready to get your landlord insurance quote?
Get a quote

Cover Options

Summary of cover
Optional extras
All our home insurance policies include the following as standard:
Fire, smoke, explosion, lightning and earthquake cover
Storm and flood cover
Theft or attempted theft
Riot and civil commotion, strike, labour or political disturbance
Malicious damage and vandalism
Subsidence or landslip causing the building or part of it to collapse
Escape of water or oil from any fixed water or heating installation or domestic appliance
Impact involving an aircraft, a train, vehicle or animal
Public liability
Choose from the following extras to fully customise your landlord insurance policy.
Accidental damage cover for damage to your buildings and/or contents:
Accidental damage can cover the repair or replacement of items damaged by events such as unintentional spills or breaks caused by you, your tenants, or a guest
Legal protection cover:
Provides access to a 24-hour legal helpline for advice and assistance, covering costs incurred up to £50,000 during legal proceedings

Your landlords insurance comes with

10 months 0% APR
NO amendment fees
NO credit card charges
NO cost for postal confirmations

Need to make a claim?

Please contact our office on
0300 030 1865
Opening hours are 9am - 5pm, Monday – Thursday and 9am - 4pm, Friday, excluding bank holidays.

Outside these hours there is a 24-hour Emergency Helpline available on the same number.

For all home emergency claims, please call 01444 442800.

Alternatively, please email claims@sagic.co.uk

Exclusive discounts 
for members of
The Salvation Army

As an insurance company that’s wholly owned by The Salvation Army, we’re delighted to offer exclusive deals to employees, officers, and soldiers of this world-renowned organisation.

Make sure you mention your affiliation when you contact us to access up to 20% off your landlord insurance policy.
Find out more

Download our Landlords Insurance Documents

Are you a new customer? 

If you’re looking to buy landlords insurance from sagic, you can read our latest policy documents for more information on the cover provided.
Are you an existing customer?
To review the cover provided under your existing policy with sagic, please visit our portal.
Sign in to see your documents
If you cannot access your online documents through our portal and require a copy, please contact us on 0300 030 1865.

Our customer reviews

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The Salvation Army General Insurance Corporation Limited (Sagic) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Reg. No: 202327). Sagic is a member of the Association of British Insurers. Registered Office: Saxon House, 27 Duke Street, Chelmsford, CM1 1HT. Registered in England & Wales. Company Number: 101071. Sagic is a wholly owned subsidiary of The Salvation Army. The Salvation Army is a Church and registered Charity in England (214779), Wales (214779), Scotland (SC009359) and the Republic of Ireland (CHY6399)
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