Landlord Insurance Bristol
Howden Insurance Bristol
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Why should I go to a landlord insurance broker in Bristol?
Using a landlord insurance broker in Bristol, such as Howden, can be a smart move for several reasons:
Tailored policies
Brokers specialise in understanding the unique risks landlords face, such as property damage, tenant disputes, or rental income loss. They can help you find policies that are specifically designed to cover these risks.
Expert advice
Brokers analyse your property portfolio and recommend the best coverage options, whether you own a single property or multiple ones.
Timesaving
Instead of comparing policies yourself, brokers do the legwork for you, negotiating terms and managing renewals.
Claims assistance
If you ever need to make a claim, brokers provide support to ensure the process is smooth and efficient.
Local knowledge
A broker based in Abingdon, like Howden Insurance, understands the local market and can offer personalised service.
Risk management guidance
Brokers don't just sell insurance; they often advise on risk mitigation strategies, helping you reduce the likelihood of claims and maintain a safer property.
We've been providing insurance policies as your local broker for over 30 years.
Since 1993, Howden Insurance have been providing insurance policies to communities across the UK as their local insurance broker.
We continue to do this in 2025 by working with landlord insurance providers across the industry and compare policy options on our clients' behalf, based on what they tell us they expect to get from their cover. Regardless of how many properties you need to insure in your portfolio, and whatever budget your is, we'll do everything we can to help you get your hands on a comprehensive policy.
Our team also acknowledges that each policy needs to be as individual as its owner and their property portfolio, and that’s why we provide a bespoke, personalised service, which focuses on getting to know you and finding out exactly what you want from your cover.
To get a quote, you can either give us a call, submit a call-back request on our website, or visit us in your local Howden branch.
Benefits of choosing Howden Insurance Bristol?
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
Get in touch with us today and let us help you get a landlord insurance policy that’s perfect for you and your business.
FAQs about landlord insurance
What does landlord insurance cover?
Landlord insurance policies are very similar to ordinary home insurance policies, but they instead also include coverage to protect landlords from the regular, day-to-day issues that they face. The following types of landlord insurance, together, can provide the all-round protection that landlords need:
- Landlord’s buildings insurance
- Landlord’s contents insurance
- Rent Guarantee insurance
- Liability insurance (i.e., public liability, employer’s liability etc.)
You can, of course, adapt your landlord insurance package to suit your property business and your personal needs because you can pick and choose which coverage options are most important to you.
Am I legally required to have landlord insurance in the UK?
Although landlord insurance is not legally required, many landlords choose to take out a policy in order to protect their property investment and their monthly income.
For example, if rental payments weren’t coming through from tenants as expected, or a property was in desperate need of repairs, some landlords wouldn’t have the savings to cover these issues whilst also affording to pay off their own mortgage. But that’s where landlords insurance comes in, to provide that peace of mind that your property business is protected for the long run.
Is landlord insurance more expensive in Bristol?
When insurers calculate how much insurance premiums will cost for every new policyholder, they may be adjusted due to factors such as:
- Properties in areas with higher crime rates may see slightly higher premiums due to increased risks of theft or vandalism.
- Similarly, if your rental is in a known flood zone, insurers might adjust pricing or recommend adding flood coverage.
- Property type – for example, older properties, particularly in historic areas, can also carry higher rebuild costs that may impact premiums.
To get the most accurate estimate, Howden is here to help. Get in touch today to get a quote tailored to your property’s specific location and features.
My property is in a high-crime area of Bristol — will this affect my policy?
Insurers may adjust premiums for areas with higher burglary or vandalism rates, so properties in such areas may see slightly increased costs. To mitigate this, some insurers offer discounts if you install approved security measures, such as burglar alarms, CCTV, or certified locks. Additionally, adding malicious damage cover to your policy can provide extra protection against tenant-related incidents, which may be more common in certain locations.
Does my Bristol rental property need extra coverage for flooding?
If your property is in a high-risk flood area, it’s crucial to check whether your policy includes flood damage protection. Many standard landlord insurance policies in the UK exclude flood coverage in high-risk postcodes, meaning you may need to purchase it as an add-on. Even in moderate or low-risk zones, unexpected weather events can occur, so reviewing your policy’s flood provisions with your insurer is always a good idea.