Simply Business Landlord Insurance Review 2026: Cover, Quotes & Alternatives Quick answer
Simply Business is a broker and comparison platform, not a single landlord insurer that helps UK landlords compare quotes from multiple insurers for cover such as buildings insurance, landlord contents, property owner’s liability, loss of rent, legal expenses, tenant default and rent guarantee insurance.
This makes Simply Business a useful option if you want a fast way to compare landlord insurance quotes online. Simply Business says it can show quotes from leading insurers in minutes, and its buy-to-let insurance page says that 10% of property owners pay the equivalent of £14.19 per month.
However, because Simply Business is a broker, you should check who the actual insurer is, what is included, how claims are handled, whether auto-renewal applies, and whether a specialist landlord broker would be better for HMOs, short-term lets or complex portfolios.
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Authored by: Ally Cox (Business Technology & B2B Services Specialist 10+ Years’ Experience)
Reviewed by: James Ward (Telecoms Specialist, 12+ Years Experience)
Last Updated: June 2026
Contents
Benefits of Simply Business
Downsides of Simply Business
What Does Simply Business Offer?
Simply Business Decision Making Guide
Our Verdict on Simply Business
Key Takeaways
Simply Business is a broker/comparison platform, not the final insurer.
It can help landlords compare quotes from multiple insurance providers.
It offers landlord cover including buy-to-let, residential landlord insurance and rent guarantee / tenant default cover.
Simply Business says it covers landlords as well as small businesses, including tenant default insurance and rent guarantee insurance.
Claims may involve a claims partner or the underlying insurer, so landlords should check the process before buying.
It is useful for quick comparison, but not always the best route for complex landlord risks.
Always compare cover limits, exclusions, excesses and renewal terms, not just the cheapest quote.
Simply Business landlord insurance at a glance
Category
Simply Business landlord insurance review
Provider type
Broker / comparison platform
Best for
Landlords wanting quick online quotes from multiple insurers
Not ideal for
Landlords who want direct insurer cover or highly bespoke advice
Main cover areas
Buildings, contents, liability, rent guarantee / tenant default, legal expenses, home emergency
Pricing
Quote-based
Example price claim
10% of property owners pay the equivalent of £14.19/month for buy-to-let insurance
Claims route
can involve Simply Business, a claims partner or the underlying insurer
Good alternatives
Direct Line, Aviva, AXA, Halifax, Hiscox, Superscript, specialist landlord brokers
Main reason to compare
Fast quotes are useful, but the actual policy details matter most
Who is Simply Business landlord insurance best for?
Landlord type Is Simply Business a good fit? Why
First-time landlord
Yes
Quick comparison can help you understand cover options
Single buy-to-let landlord
Yes
Useful for simple quote comparison
Landlord with 2–5 properties
Yes
Can compare policies across providers
Portfolio landlord
Maybe
Compare specialist broker support too
HMO landlord
Maybe
Cover may be available, but specialist HMO comparison is important
Student landlord
Maybe
Check tenant type restrictions and damage cover
Short-term let / Airbnb landlord
Maybe
Check whether holiday let or short-term let cover is specifically included
Commercial landlord
Maybe
May need commercial property owner’s insurance
Landlord wanting one named insurer
Less ideal
A direct insurer may feel simpler
Landlord wanting tailored human advice
Maybe
A specialist broker may offer deeper support
How does Simply Business landlord insurance work? Simply Business asks landlords questions about their property, tenant type and cover needs, then provides quotes from insurers or specialist providers, so, in practice, this means you should check three things before buying:
Question Why it matters
Who is the insurer?
Simply Business is the broker, not always the company underwriting the policy
What cover is included?
Quotes can vary significantly by provider
How are claims handled?
Claims may involve the insurer, Simply Business or a specialist claims partner
What cover can landlords compare through Simply Business?
Cover type What it means Why landlords need it
Buildings insurance
Covers the structure of the rental property
Important for most buy-to-let landlords
Landlord contents
Covers landlord-owned furniture, appliances and furnishings
Useful for furnished or part-furnished lets
Property owner’s liability
Covers injury or property damage claims linked to the rental property
Important for tenant and visitor claims
Loss of rent
Covers lost rental income if the property is made uninhabitable by an insured event
Useful if you rely on rent
Rent guarantee / tenant default
Covers unpaid rent if a tenant fails to pay, subject to policy conditions
Useful for landlords worried about arrears
Legal expenses
Helps with legal disputes, eviction or rent recovery
Useful for tenant issues
Home emergency
Helps with urgent problems such as boiler, roof or plumbing issues
Useful for hands-off landlords
Accidental damage
Covers accidental property or contents damage, if included
Useful for furnished lets
HMO cover
Specialist cover for houses in multiple occupation
Important for HMO landlords
Holiday let / short-term let cover
Cover for short-stay paying guests
Important for Airbnb and holiday let landlords
Simply Business landlord insurance costs Simply Business landlord insurance is quote-based, so the price you pay will depend on the insurer selected and your property risk and your quote will be affected by:
property postcode
rebuild value
property type
number of rental properties
tenant type
furnished or unfurnished status
claims history
cover limits
excess
optional extras
rent guarantee or legal expenses
unoccupied periods
whether the property is an HMO or short-term let
payment method
Simply Business’s buy-to-let page says 10% of property owners pay the equivalent of £14.19 per month, but this is not the price every landlord will pay. It should be treated as an entry-point example, not a guaranteed quote.
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Simply Business landlord insurance pros and cons
Pros Cons
Lets landlords compare multiple insurers
Not the final insurer itself
Quick online quote journey
Policy quality depends on the insurer selected
Useful for simple buy-to-let quotes
Complex landlords may need specialist advice
Offers a wide range of landlord cover options
Claims may involve a separate insurer or claims partner
Can include rent guarantee / tenant default options
Auto-renewal and cancellation terms need checking
Good for landlords who want speed and convenience
Cheapest quote may not be the best cover
Downsides of Simply Business
A lot of user complaints of auto-renewal
You can’t file claims directly through Simply Business
Customer service can be hard to get hold of
Simply Business vs direct landlord insurers
Category Simply Business Direct insurers such as Aviva or Direct Line
Provider type
Broker/comparison platform
Direct insurer
Choice
Multiple insurers
One insurer
Best for
Comparing quotes quickly
Landlords who know which insurer they want
Claims
May involve insurer or claims partner
Usually through the insurer
Policy documents
Depends on selected policy
From the insurer
Best choice if
You want comparison
You want one provider relationship
What Does Simply Business Offer
Simply Business Decision Making Guide If you need help choosing the right option for your business, we’ve created a handy table comparing the options side by side:
Insurance Type Description Ideal For
Public Liability (PL) Covers you if a member of the public is injured or their property is damaged due to your business activities.
Most businesses, especially those who interact with the public
Employers’ Liability (EL)
This is mandatory if you have employees.
It covers you if an employee gets injured or sick because of their work.
Businesses with employees
Professional Indemnity (PI)
Protects you from legal costs if a client claims you made a mistake in your professional service.
Professionals like consultants, architects, accountants, and solicitors
Business Contents Insurance
Covers damage or theft of your business equipment and stock.
Office Insurance
Covers your buildings against damage or theft.
Businesses with a physical office space
Rent guarantee and tenant default cover Simply Business says it offers tenant default insurance and rent guarantee insurance for landlords. Its rent guarantee page describes the cover as tenant default cover and gives an example of claims support through Sedgwick on behalf of the insurer.
Question Why it matters
Is tenant referencing required?
Many policies require proper referencing
Is there a waiting period?
Claims may not start immediately
What is the monthly rent limit?
Higher rents may need higher cover
How long will rent be paid?
Policies have maximum claim periods
Are legal costs included?
Eviction and recovery can be expensive
Are existing arrears excluded?
Most policies will not cover pre-existing arrears
Does it apply to all tenant types?
Students, DSS tenants or HMOs may have restrictions
Auto-renewal: what to check Auto-renewal is not automatically bad. It can prevent accidental gaps in cover, but landlords should check renewal terms carefully because premiums, insurer terms and cover needs can change.
Before renewal, check:
renewal date
renewal premium
whether the insurer has changed
whether cover limits have changed
whether excesses have changed
cancellation terms
admin fees
monthly payment charges
whether rent guarantee still applies
whether tenant or property details need updating
whether you should compare fresh quotes
Customer reviews: what do users say? Simply Business has strong overall review signals, but not every review is specific to landlord insurance. Trustpilot currently shows Simply Business with a 4.2 TrustScore from more than 7,000 reviews, with a large majority of reviews rated five stars.
When reading reviews, look specifically for comments about:
landlord claims
renewal pricing
cancellation process
policy documents
customer support
claims partner handoff
rent guarantee claims
insurer communication
online account management
How to Purc hase Simply Business Landlord Insurance
Why compare Simply Business before buying? Simply Business already compares quotes, but it is still worth checking whether it is the best route for your property, so you should compare Simply Business against:
direct insurers
high-street broker routes
specialist landlord brokers
HMO landlord insurers
short-term let insurers
portfolio landlord insurance providers
rent guarantee specialists
Compare Simply Business landlord insurance alternatives
Why compare landlord insurance with Compare Your Business Costs? Compare Your Business Costs helps UK landlords compare landlord insurance options based on property type, tenant profile, cover needs and budget.
You can compare quotes for:
standard buy-to-let properties
furnished and unfurnished lets
landlord buildings insurance
landlord contents cover
property owner’s liability
loss of rent cover
rent guarantee
legal expenses cover
HMO landlords
student lets
portfolio landlords
short-term lets
There is no obligation to switch, and comparing quotes can help you avoid choosing a policy that is either too basic or unnecessarily expensive.
Compare landlord insurance quotes
Verdict: is Simply Business landlord insurance worth it? Simply Business landlord insurance is worth considering if you want a quick way to compare landlord insurance quotes from multiple providers, so is useful for standard buy-to-let landlords who want to compare options online rather than approaching insurers one by one.
However, Simply Business is a broker, not the final insurer. That means you should check the policy provider, cover limits, exclusions, claims process, renewal terms and any optional extras before buying.
Final recommendation: Simply Business is a useful comparison route, but landlords with HMOs, short-term lets, larger portfolios or complex properties should also compare specialist landlord brokers before choosing.
FAQs: Simply Business landlord insurance Is Simply Business an insurer?
No. Simply Business is a broker and comparison platform. It helps landlords and small businesses compare insurance quotes from insurers and specialist providers.
What does Simply Business landlord insurance cover?
Simply Business can help landlords compare cover such as buildings insurance, landlord contents, property owner’s liability, loss of rent, rent guarantee, legal expenses and home emergency cover.
How much does Simply Business landlord insurance cost?
Simply Business landlord insurance is quote-based. Its buy-to-let page says 10% of property owners pay the equivalent of £14.19 per month, but actual pricing depends on your property, tenant profile, cover level and insurer. (simplybusiness.co.uk)
Can Simply Business cover HMOs?
Simply Business may be able to help with HMO landlord insurance, but HMO landlords should check policy wording carefully and compare specialist HMO cover.
Does Simply Business offer rent guarantee insurance?
Yes. Simply Business offers rent guarantee insurance as tenant default cover, subject to policy terms and underwriting conditions. (simplybusiness.co.uk)
Is loss of rent the same as rent guarantee?
No. Loss of rent covers rental income lost when a property is uninhabitable because of an insured event. Rent guarantee or tenant default cover applies when a tenant fails to pay rent.
How do Simply Business landlord insurance claims work?
Simply Business says landlord claims can be started online, with a UK-based specialist team at Sedgwick calling back. The underlying insurer and policy type may affect the exact claims process. (simplybusiness.co.uk)
Does Simply Business auto-renew landlord insurance?
Policies may auto-renew depending on the policy and payment setup. Landlords should check renewal documents, cancellation terms and renewal pricing before the renewal date.
Is Simply Business good for first-time landlords?
Yes, it can be useful for first-time landlords because it lets you compare different cover options online. However, first-time landlords should still check what is included and who the actual insurer is.
What are the best Simply Business alternatives?
Alternatives include Direct Line, Aviva, AXA, Halifax, Hiscox, Superscript and specialist landlord insurance brokers. The best option depends on whether you want quick comparison, direct insurer cover or tailored advice.
Other Useful Links About Landlord Insurance 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.
