Compare Just Landlords Home Insurance Quotes Against The Market

If you are a buy-to-let investor looking for sharp, highly competitive rates without stripping your policy down to a bare-bones skeleton, Just Landlords is a provider designed specifically for your radar.

Just Landlords has spent nearly three decades focusing purely on the rental property sector. The brand became a core part of Gallagher (Arthur J. Gallagher Insurance Brokers Limited), one of the largest institutional insurance brokerage and risk management conglomerates on Earth. This corporate alliance blends specialist customer service with massive multi-national underwriting leverage.

You can get independent advice and a personalised quotes comparison of leading landlord insurance and property portfolio policies (including how Just Landlords stacks up against the wider market) from one of our expert advisers below:

What type of landlord insurance do they provide?

Just Landlords structures its products around a refreshingly transparent framework, famously building 40 separate types of cover directly into their standard policy wordings as standard. Instead of hitting you with a barrage of micro-fees at checkout to include basic hazards, they specialize in robust out-of-the-box configurations:

1. Core Buy-to-Let Buildings & Contents

• The Structural Shield: Comprehensive Buildings protection against core perils (such as fire, lightning, aircraft impact, subsidence, and severe storms).

• Built-in Accidental Damage: One of their main market advantages is that basic Accidental Damage to buildings comes included as standard, protecting you if a tenant accidentally cracks a sink basin or shatters a window fixture.

• Property Owner’s Liability: Features up to £5,000,000 in public liability coverage as standard to shield you completely if a tenant or visitor is injured on-site and files a multi-million-pound compensation claim.

2. The 2026 Renters' Rights Act Safeguard

Following the final implementation of the Renters' Rights Act, which permanently abolished Section 21 evictions and transitioned all UK tenancies to periodic agreements from day one, managing tenant default risks has become a top priority for property investors. An uncontested rent arrears eviction can easily stretch out for months in the court systems. Just Landlords addresses this shifting landscape through targeted, premium safety nets:

• Rent Guarantee Insurance: Partnered with Legal Insurance Management Ltd and underwritten by Royal & Sun Alliance, this bolt-on pays out missed rental streams if a tenant falls into arrears while inside the property.

• Legal Expenses Cover: Funds up to £100,000 in professional legal representation costs to handle court evictions, tenancy breach enforcement, and rent recovery proceedings.

3. Specialist & Unoccupied Property Windows

Because their underwriters understand non-standard occupancy cycles, Just Landlords easily accommodates:

• Unoccupied Property Insurance: Short-to-long term structural protection for vacant houses moving through probate, undergoing light structural renovations, or sitting empty between tenancies.

• UK Holiday Homes & Airbnb: Specialised lines tailored for properties used as short-term holiday rentals or secondary family weekend retreats.

Strategic Multi-Insurer Underwriting Partners

While the Nottingham-based Just Landlords team sets up your documents and manages customer service, they collaborate with elite, global institutional risk carriers to ensure your payout capital is 100% secure:

Pros and cons

Here are the pros and cons of using a dedicated letting specialist like Just Landlords to protect your rental assets:

Pros:

• 40 Standard Covers Built-in: Exceptional baseline completeness, including structural accidental damage without charging extra fees.

• The £5 Million Liability Cushion: Delivering a £5M baseline for property owners' liability outpaces the low £2M limits frequently used by generic budget high-street banks.

• In-house Nottingham Claims Team: Bypasses faceless, outsourced global call centres; you deal directly with a specialized East Midlands advisory hub.

• Gallagher Institutional Scale: Backed by a global corporate giant, ensuring access to top-tier institutional financial backing and policy security.

Cons:

• Strict Portfolio HMO Restrictions: While they excel at standard single-lets, professional sharers, and student lets, their automated systems can become less competitive or introduce restrictive terms for massive, multi-room complex Houses in Multiple Occupation (HMOs).

• No Commercial Property Bundles: Their entire underwriting framework is strictly tuned for residential property lines; they do not write commercial shop, industrial unit, or office block risks.

• Cancellation & Admin Handling Fees: Standard broker processing fees apply for executed mid-term policy modifications or early contract cancellations outside the standard 14-day cooling-off window.

Customer reviews and market standing

Just Landlords holds a highly respectable consumer trust profile, commanding a consistent 4.4 to 4.6 out of 5.0 Star rating across major independent platforms like Trustpilot and Smart Money People.

• Praise for Cost Efficiency: Verified reviewers frequently celebrate the brand's upfront value. For landlords owning standard brick-and-mortar terraced houses or semi-detached buy-to-lets, customer feedback highlights that Just Landlords routinely delivers some of the lowest baseline premiums on the open market.

• Frictionless Setup: Users heavily commend the speed of their digital checkout path. Sourcing an online buy-to-let quote takes less than five minutes, with digital policy schedules and mortgage-proof coverage validation certificates delivered instantly to your inbox.

How to get a Just Landlords quote

You can generate a direct buy-to-let quote instantly via the main Just Landlords UK website or speak directly to their Nottingham-based team via telephone or live chat. However, given the complexities introduced by the Renters' Rights Act modifications regarding tenant default tracking, you should never buy property insurance blindly. Comparing alternative specialised landlord panels ensures you lock in the lowest compulsory water excesses, the widest malicious damage thresholds, and the highest rent guarantee compensation ceilings for your exact postcode.

At Money Helpdesk, our buy-to-let investment specialists are experts at mapping the landlord market. If you are looking to secure bulletproof, cost-effective protection for your property assets, get in touch today and we will handle the market comparison for you.