When a landlord rents a house to tenants, they might assume that because they have home insurance they are covered. However, as a landlord in Ireland you require a specific type of cover known as ‘landlords’ insurance’. In order to protect yourself against damage to your contents or to protect yourself against legal fees incurred if a tenant fails to pay, you need landlord’s insurance. This will ensure that if a mishap occurs you are protected against that risk therefore it is essential.

Essentially, landlord’s insurance will protect the landlord against damage done to their property by tenants. It will also protect their contents from theft, loss of rent if a tenant fails to pay and finally, legal fees if litigation should ever occur.

In order to purchase landlord’s insurance in Ireland, you must be an official member of the Residential Tenancy Board.

Yes it is possible to obtain landlord’s insurance for more than one own-to-let property.