Simply Business Landlord Insurance Review 2026: Costs, Cover & Alternatives Quick Answer
Simply Business is an insurance broker rather than a single landlord insurer, allowing UK landlords to compare policies from a range of insurers through one quote journey.
You can build landlord insurance around the cover you need, including buildings insurance, landlord contents, Property Owners’ Liability, legal expenses, home emergency, accidental damage and tenant default/rent guarantee protection.
Simply Business currently says landlord insurance starts from the equivalent of £14.25 per month . This is based on 10% of customers paying £170.96 or less annually for buildings and £2 million Property Owners’ Liability between 1 January and 30 June 2026. Paying monthly costs extra.
This is therefore an example of its lower-priced policies rather than the price most landlords should expect to pay.
Simply Business can be particularly useful if you want to compare several insurers without approaching each company separately.
However, the insurer underwriting your policy, cover limits, excesses and exclusions can vary between quotes.
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Key Takeaways
Simply Business is an insurance broker, not the underlying insurer. It allows landlords to compare policies from multiple insurers through one quote journey.
Simply Business says it has more than 300,000 landlord customers.
Its landlord insurance panel includes major insurance brands.
Buildings, contents and Property Owners’ Liability can all be compared.
Additional options can include Legal Expenses, Home Emergency, Accidental Damage and Tenant Default cover.
Property Owners’ Liability of up to £5 million can be available depending on the quote.
Simply Business currently advertises landlord insurance from the equivalent of £14.25 per month, but this applies only to a qualifying proportion of customers and specified cover.
Landlords can compare residential, buy-to-let and some more complex property risks through the platform.
Simply Business also offers commercial landlord insurance.
Claims can be made online or by phone, with specialist claims partner Sedgwick paying eligible claims on behalf of the insurer.
Always check which insurer is actually underwriting the policy before buying.
Compare Simply Business with other landlord insurance options
How do we work?
Our comparisons are researched and reviewed by the Compare Your Business Costs editorial team using provider information, official UK guidance and business buying criteria. See how Compare Your Business Costs works .
Authored by: Ally Cox (Business Technology & B2B Services Specialist, 10+ Years’ Experience)
Last Updated: October 2026
Contents
How Does Simply Business Landlord Insurance Work? Simply Business works differently from a direct insurer such as Admiral or Direct Line.
Simply Business acts as the insurance broker.
You provide information about your rental property and insurance requirements, and Simply Business can return eligible policies from insurers on its panel and their current landlord quote process asks for information including:
Property type
Property postcode
Age of the property
How long you have owned it
Occupancy
Tenant arrangements
Tenant checks
The cover you require
You can then compare available quotes and choose the policy that best matches your requirements.
Simply Business says landlords can build a policy, compare quotes and buy online.
Policy documents can then be provided digitally.
Why does the broker distinction matter?
Because two Simply Business customers can end up with policies underwritten by completely different insurers.
That means you should compare:
Who the insurer is
Cover limits
Excesses
Exclusions
Optional extras
Claims arrangements
Cancellation conditions
Renewal terms
rather than treating every Simply Business quote as the same policy.
What Can Simply Business Landlord Insurance Cover? Simply Business allows landlords to build policies using several types of protection.
Available cover can include:
Landlord Buildings Insurance
Protects the structure of the rental property against specified insured risks which can be particularly important for buy-to-let landlords who own the freehold and are responsible for insuring the building.
Landlord Contents Insurance
Protects eligible furniture, appliances and other landlord-owned contents inside the property which can be particularly useful for furnished and part-furnished properties.
Property Owners’ Liability
Provides protection against eligible compensation claims where someone suffers injury or property damage connected with the rental property and you are held legally responsible.
Fixtures & Fittings
Cover can protect eligible landlord-owned fixtures and fittings within the property.
Accidental Damage
Can provide additional protection against eligible accidental damage to insured property or contents.
Legal Expenses
Can provide protection against specified legal costs and disputes, depending on the policy.
Home Emergency
Can provide assistance with specified urgent property problems.
Tenant Default / Rent Guarantee
Designed to protect eligible rental income if a tenant stops paying rent, subject to policy conditions.
The exact combination available depends on the insurer and quote.
Compare landlord insurance cover
How Much Does Simply Business Landlord Insurance Cost? Simply Business currently advertises landlord insurance from the equivalent of £14.25 per month.
But this headline needs context.
The figure is based on 10% of customers paying £170.96 or less annually between 1 January and 30 June 2026.
The price covers:
Buildings insurance
£2 million Property Owners’ Liability
Additional covers cost extra.
The £14.25 monthly equivalent also excludes the additional cost associated with actually paying monthly.
This means £14.25 should not be treated as the average Simply Business landlord insurance premium.
Your quote can depend on factors including:
Property location
Property type
Age of the building
Rebuild value
Contents value
Tenant type
Number of properties
Claims history
Cover selected
Property Owners’ Liability limit
Excess
Optional covers
Occupancy
Whether the property is residential or commercial
Simply Business publishes real quote examples to demonstrate how much prices can vary.
The important comparison is therefore your own quote rather than the advertised £14.25 figure.
What Excess Could You Pay? Excesses vary between insurers and quotes.
Simply Business currently provides the following indicative ranges:
Main Building: £100 to £2,500Fixtures & Fittings: £100 to £2,500Contents: £100 to £2,500Accidental Damage: £100 to £500Landlord Liability: £0 to £500
These are guidance ranges rather than guaranteed excesses.
Your individual quote will show the excess that applies to each section.
Don’t compare landlord policies on premium alone.
A cheaper annual premium accompanied by a substantially higher excess may represent worse value for your circumstances.
Simply Business Property Owners’ Liability Insurance Property Owners’ Liability protects against eligible claims where someone is injured or their property is damaged and you are legally responsible as the property owner.
Simply Business currently advertises landlord quotes with:
up to £5 million Property Owners’ Liability.
The actual limit depends on the policy offered.
For example, a visitor, tenant or contractor could potentially make a claim following an accident at the rental property.
Simply Business provides a real claims example involving a postman who broke his leg when a manhole cover gave way.
The landlord’s liability insurance paid more than £10,800 towards compensation and legal costs, while the policyholder paid the £100 excess.
Claims examples don’t guarantee that another claim will be accepted, but they demonstrate why liability protection can be valuable even when the building itself hasn’t suffered damage.
Simply Business Rent Guarantee & Tenant Default Insurance Simply Business offers Rent Guarantee Insurance as:
Tenant Default cover.
This is an important distinction from standard loss-of-rent protection.
Loss of Rent
Generally protects eligible rental income when an insured event, such as serious property damage, makes the property uninhabitable.
Tenant Default / Rent Guarantee
Protects eligible rental income when a tenant fails to pay rent.
Simply Business publishes a claims example where Tenant Default cover paid more than £12,700 following missed rental payments and an eviction process.
Landlords considering this protection should check:
Tenant referencing requirements
Minimum arrears periods
Maximum monthly rent covered
Maximum claim period
Whether legal costs are included
Existing arrears exclusions
Permitted tenant types
Waiting periods
Do not assume Rent Guarantee is automatically included in every landlord policy.
It is an additional type of cover that needs to appear on your quote and policy documents.
Simply Business Landlord Home Emergency Cover Home Emergency protection can also be added to eligible landlord insurance policies and it can help with urgent problems such as:
Boiler breakdowns
Heating failures
Plumbing emergencies
Drainage problems
Roof emergencies
Other specified urgent property issues
The exact cover, claim limits and exclusions depend on the insurer providing the policy.
Home Emergency cover can be particularly useful for landlords who want a defined route for dealing with urgent problems, but it shouldn’t be confused with routine property maintenance.
How Do Simply Business Landlord Insurance Claims Work? The old assumption that you cannot make a claim through Simply Business is no longer accurate.
Simply Business now provides 24/7 claims access. Claims can be started online or by phone.
Simply Business says its specialist partner Sedgwick pays eligible claims on behalf of the insurer.
This is another reason to understand the structure of your policy.
You could have:
Simply Business – arranging the policyAn insurer – underwriting the riskSedgwick – handling or paying eligible claims on behalf of the insurer
Always keep your policy documents and insurer details accessible in case you need to make a claim.
Who Is Simply Business Landlord Insurance Best For? First-time landlords
Simply Business can be useful because one quote journey allows you to see how different insurers structure their policies.
Single-property landlords
A straightforward buy-to-let property is well suited to online comparison.
Landlords with several properties
Simply Business says it can arrange separate cover for multiple properties, although larger portfolios should still compare specialist portfolio options.
Landlords wanting choice
This is where the broker model has a clear advantage over approaching one direct insurer.
Landlords wanting online buying
Simply Business allows eligible customers to compare, buy and receive policy documents online.
Commercial landlords
Simply Business also offers dedicated commercial landlord insurance and can cover eligible commercial or mixed residential/commercial properties.
Does Simply Business Offer HMO Landlord Insurance? Simply Business can return landlord quotes for some HMO properties and their current published buy-to-let examples even include a quote for a landlord renting to three professional tenants with an HMO licence.
However that does not mean every HMO will qualify for every insurer on the Simply Business panel.
HMO insurance can depend on:
Number of tenants
Number of households
Licensing
Property construction
Tenant type
Property management
Claims history
If you operate an HMO, compare the policy returned by Simply Business with specialist HMO landlord insurance rather than assuming a standard buy-to-let policy is sufficient.
Does Simply Business Cover Airbnb & Short-Term Lets? Short-term accommodation needs to be declared correctly and a conventional residential tenancy and an Airbnb or holiday let don’t present identical insurance risks.
If you rent through:
Airbnb
Booking platforms
Holiday lets
Serviced accommodation
Other short-stay arrangements
make sure the policy specifically permits your type of letting.
Compare specialist Airbnb and short-term let insurance where appropriate.
Simply Business Commercial Landlord Insurance Simply Business also offers insurance for landlords renting commercial premises which can include properties such as:
Shops
Offices
Clinics
Hospitality premises
Mixed commercial and residential buildings
This is useful because a residential buy-to-let policy should not automatically be assumed to cover commercial property.
Simply Business says landlords can choose the covers that go into the policy and compare prices from its insurer panel.
If you own a building with a shop downstairs and residential accommodation above, for example, declare the mixed use accurately during the quote process.
Simply Business Landlord Insurance Pros & Cons Advantages
Compare multiple insurers: you don’t have to approach every insurer separately.Online quotes: eligible landlords can compare and buy digitally.Broad cover selection: buildings, contents, liability and several optional covers are available.Up to £5m Property Owners’ Liability: depending on the policy returned.Rent Guarantee available: offered as Tenant Default cover.HMO options: some HMO risks can be quoted.Commercial landlord insurance: Simply Business isn’t restricted to residential buy-to-let.Multiple-property options: landlords can arrange cover for more than one property.24/7 claims access: claims can be started online or by phone.UK-based support: insurance support is available online and by phone.
Potential Disadvantages
Simply Business isn’t the underlying insurer: the company underwriting your policy can vary.Policies aren’t identical: cover, excesses and exclusions depend on the insurer selected.Headline prices need context: the advertised £14.25 equivalent applies only to a proportion of customers buying specified cover.Additional covers increase the premium: the headline price does not include every available protection.Complex properties may require specialist comparison: particularly unusual HMOs, short-term lets and larger portfolios.Claims can involve another company: Sedgwick acts as Simply Business’s specialist claims partner.Renewal terms need checking: don’t allow convenience to replace annual comparison.
Simply Business vs Direct Landlord Insurers The fundamental difference is Simply Business lets you compare multiple insurers.
A direct insurer sells its own policy.
For example, approaching Admiral directly gives you an Admiral quote.
Using Simply Business can show eligible quotes from insurers on its panel.
Simply Business will suit you if:
You want to compare several insurers
You aren’t committed to a particular insurance brand
You want an online quote journey
You want to compare price and cover together
A direct insurer may suit you if:
You specifically want that insurer
You already understand its policy
You prefer a direct insurer relationship
Neither model automatically produces better cover – the actual policy matters.
Simply Business Landlord Insurance Alternatives Admiral Landlord Insurance
Worth comparing if you want to obtain a quote directly from a major insurer. Admiral currently has three landlord insurance tiers with different limits.
Direct Line Landlord Insurance
Another direct-insurer alternative for residential landlords.
Aviva Landlord Insurance
Worth comparing if you want another established UK insurance brand.
AXA Landlord Insurance
Another established insurer to include when comparing landlord policies.
Towergate Landlord Insurance
Worth considering where you want a broker-led proposition or have more specialist property risks.
Hiscox
Worth comparing for eligible property owners looking at specialist commercial insurance options.
There is no reason to restrict your comparison to one route.
You can compare broker quotes with direct-insurer quotes before choosing.
Simply Business vs Admiral Landlord Insurance These two propositions work quite differently.
Simply Business
Insurance broker
Compares eligible policies from multiple insurers
Cover varies depending on insurer
Good for seeing several options
Admiral
Direct insurer
Three defined landlord policy tiers
Admiral underwrites/provides the quoted proposition
Good for landlords specifically considering Admiral
If you don’t know which insurer you want, Simply Business’s broader comparison model may be useful.
If you specifically want Admiral, obtaining an Admiral quote lets you assess its defined tiers directly.
The sensible approach is to compare the resulting policies rather than choosing based solely on how the quote was obtained.
Simply Business vs Direct Line Landlord Insurance Again, the main difference is choice versus direct provision.
Simply Business can show policies from insurers on its panel.
Direct Line provides its own landlord insurance proposition directly.
Compare:
Annual premium
Buildings sum insured
Contents cover
Property Owners’ Liability
Loss of rent
Tenant Default protection
Legal Expenses
Home Emergency
Accidental Damage
Excesses
Unoccupancy rules
Exclusions
Read our Direct Line Landlord Insurance review .
Simply Business vs Towergate Landlord Insurance Both use an intermediary model rather than simply being a single direct insurer, but the customer propositions differ.
Simply Business puts considerable emphasis on fast online comparison and Towergate is worth considering where a landlord wants a more specialist broker-led route.
That distinction can become more important for:
Complex portfolios
Unusual properties
Specialist occupancy
Non-standard risks
A straightforward buy-to-let landlord may value speed.
A complicated property risk may place more value on specialist advice.
Read our Towergate Landlord Insurance review .
What to Check Before Buying Through Simply Business Before buying a policy, check:
Who is actually underwriting the insurance? Does the policy cover your exact property type?
Is your tenant type permitted?
What is the buildings sum insured?
What landlord contents limit applies?
What Property Owners’ Liability limit applies?
Is loss of rent included?
Do you need Tenant Default / Rent Guarantee?
Are Legal Expenses included?
Is Home Emergency included?
Do you need Accidental Damage?
What excess applies to each cover?
How long can the property remain unoccupied?
Are tenant checks required?
Who handles claims?
Does the policy auto-renew?
Are there cancellation or administration charges?
What is the total annual cost?
Simply Business Auto-Renewal: What Should You Check? Auto-renewal can prevent an accidental gap in insurance, but it doesn’t mean you should ignore the renewal and before renewal, check:
Renewal premium
Underlying insurer
Cover limits
Excesses
Property information
Tenant information
Optional covers
Payment costs
Cancellation terms
Your property or circumstances may have changed since the previous year.
Even if they haven’t compare the renewal against fresh quotes.
Our View on Simply Business Landlord Insurance The main reason to use Simply Business is simple choice.
Instead of deciding that you want one insurer before you know what it will charge, Simply Business lets you enter your property details and compare eligible policies which can be particularly useful for a landlord who doesn’t already have a preferred insurer.
their landlord proposition is also broader than a basic buildings-insurance comparison.
Depending on eligibility and insurer, you can potentially compare:
Buildings
Contents
Fixtures & fittings
Property Owners’ Liability
Accidental Damage
Legal Expenses
Home Emergency
Tenant Default / Rent Guarantee
Simply Business also caters for some HMO and commercial landlord risks, making the proposition broader than a standard single-property buy-to-let policy.
But there is an important trade-off in that you need to pay attention to the insurer and policy returned.
Simply Business is the route through which you compare and arrange the insurance.
The underlying cover isn’t necessarily identical from one quote to another.
This means the cheapest result should not automatically win.
For example:
Quote A could have a lower premium but a £2,500 buildings excess.Quote B could cost more but provide a substantially lower excess or stronger additional cover.
Likewise, one policy may include Home Emergency while another charges extra.
Our preferred way to use Simply Business is therefore as a comparison tool, not as a shortcut around reading the policy.
Compare the most relevant quotes on:
Price
Insurer
Cover
Limits
Excesses
Exclusions
and then compare the strongest result against any direct or specialist insurer you’re considering.
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Simply Business Landlord Insurance FAQs Is Simply Business an insurance company?
Simply Business is an insurance broker rather than the underlying insurer on every policy. It lets landlords compare and arrange insurance from providers on its panel.
How much is Simply Business landlord insurance?
Simply Business currently advertises landlord insurance from the equivalent of £14.25 per month. This is based on 10% of customers paying £170.96 or less annually for buildings and £2 million Property Owners’ Liability between 1 January and 30 June 2026. Monthly payment costs and additional covers cost extra.
Is £14.25 the average Simply Business landlord insurance price?
No. It is a lower-price example based on 10% of qualifying customers, not an average premium. Your quote depends on your property and cover requirements.
Which insurers does Simply Business use?
Simply Business compares policies from a panel of insurers. Its current landlord material displays brands including Allianz, AIG, AXA, Churchill, Covéa, Hiscox and Zurich. The insurers available to you depend on your risk and quotation.
What does Simply Business landlord insurance cover?
Depending on the insurer and policy, available protection can include buildings, contents, fixtures and fittings, Property Owners’ Liability, Accidental Damage, Legal Expenses, Home Emergency and Tenant Default cover.
How much Property Owners’ Liability can I get?
Simply Business says completing a quote can provide options including up to £5 million of Property Owners’ Liability. The actual limit depends on the policy selected.
Does Simply Business offer Rent Guarantee Insurance?
Yes. Simply Business offers Rent Guarantee Insurance through Tenant Default cover, subject to policy terms and eligibility.
Is Tenant Default the same as loss of rent?
No. Tenant Default/Rent Guarantee concerns eligible non-payment of rent by the tenant. Loss-of-rent protection generally relates to rental income lost because insured property damage makes the property uninhabitable.
Can Simply Business insure HMOs?
Simply Business can quote some HMO risks. It currently publishes an example quote involving three professional tenants and an HMO licence. Eligibility still depends on the property and insurer.
Can Simply Business cover multiple rental properties?
Yes. Simply Business says landlords can arrange separate covers for multiple properties. Larger or more complex portfolios may also benefit from comparing specialist portfolio landlord insurance.
Does Simply Business offer commercial landlord insurance?
Yes. Simply Business has a dedicated commercial landlord proposition covering eligible commercial premises and some mixed residential/commercial properties.
Does Simply Business cover Airbnb?
Short-term lets and Airbnb properties should be declared accurately. Don’t assume a standard residential landlord policy covers short-term paying guests. Compare specialist short-term-let cover where necessary.
Can I make a claim through Simply Business?
Simply Business provides 24/7 access to claims online and by phone. It says specialist partner Sedgwick pays eligible claims on behalf of the insurer.
Who actually pays Simply Business insurance claims?
This depends on the arrangement, but Simply Business currently states that specialist claims partner Sedgwick pays claims on behalf of the insurer for the landlord products it describes.
Can I buy Simply Business landlord insurance online?
Yes. Eligible customers can compare policies and buy online, with documents provided digitally.
Does Simply Business auto-renew landlord insurance?
Renewal arrangements can depend on the policy and payment setup. Check your renewal documentation and compare the renewal premium against fresh quotes before allowing a policy to renew.
Is Simply Business suitable for first-time landlords?
It can be useful because first-time landlords can compare different insurance options through one quote journey. You should still understand the underlying insurer, excesses, exclusions and cover before buying.
Is Simply Business better than going directly to an insurer?
They are different buying routes. Simply Business offers comparison across insurers on its panel, while a direct insurer provides its own proposition. Comparing both routes can give you a broader view of the market.
Is Simply Business Landlord Insurance worth comparing?
Yes, particularly if you want to compare several landlord insurers quickly. The key is to judge the actual policy returned rather than choosing solely because it appears through Simply Business.
Compare Landlord Insurance Quotes Simply Business is one way to compare landlord insurance, but it isn’t the only option.
Compare policies based on:
Premium
Underlying insurer
Buildings cover
Contents
Property Owners’ Liability
Loss of rent
Tenant Default
Legal Expenses
Home Emergency
Excesses
Exclusions
Compare Landlord Insurance Quotes
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Related Landlord Insurance Guides Hi, I’m Ally Cox , a senior copywriter and blogger at CompareYourBusinessCosts.co.uk, the UK’s trusted platform for comparing business services.over a decade of experience in the B2B sector, I specialise in simplifying complex topics like leased lines, VoIP, business energy, HR and payroll solutions, accounting software, and EPOS systems .HR, copywriting, and business operations- from clocking-in systems to card machines and office technology .informed, confident decisions when choosing products and services that improve efficiency and save money.
