Compare Protect My Let Home Insurance Quotes Against The Market

If you are a buy-to-let landlord, property investor, or portfolio manager evaluating insurance options, Protect My Let is one of the UK’s most established specialist landlord brokers.

Sourcing let property insurance since 2004, Protect My Let operates as a specialist trading name of Howden UK Brokers Limited. Headquartered in Colchester, Essex, Protect My Let does not underwrite risk directly on its own balance sheet. Instead, they function as an independent intermediary backed by a panel of over 12 leading UK insurers (such as AXA, Ageas, and Aviva). They are also widely recognised across the property sector as the exclusive landlord insurance partner for the Landlords National Purchasing Group (LNPG).

You can get independent advice and a personalised quotes comparison of top-tier landlord and property policies, including how Protect My Let’s broker rates compare to rival specialist intermediaries, from one of our expert advisers below:

What type of landlord insurance do they provide?

Protect My Let focuses exclusively on the rental property market, bypassing rigid owner-occupier templates to deliver bespoke schemes for single buy-to-let units, multi-property portfolios, HMOs, student lets, serviced accommodation, and social housing (DSS/housing benefit) tenancies.

Their policies incorporate several standout standard features that standard commercial insurers often treat as expensive add-ons:

Protect My Let Coverage Blueprint

How Protect My Let calculates premiums

Because Protect My Let operates as a specialist broker within the Howden network, their pricing mechanics bypass one-size-fits-all algorithms:

• The 12-Insurer Panel Auction: When you submit your property details, Protect My Let runs your risk profile across their panel of top UK underwriters. Underwriters bid against each other in real-time, allowing brokers to match your property with the lowest available rate.

• LNPG Member & Portfolio Discounts: Property investors managing multi-property portfolios or holding active LNPG memberships access exclusive broker rates and volume discounts.

• Human Risk Assessment: For complex risks, such as converted HMOs, Grade II listed lets, or properties undergoing active refurbishment, advisers manually present surveyor details to panel underwriters to avoid automated digital penalties.

Pros and cons

Here is a quick look at the pros and cons of securing property protection through Protect My Let:

Pros:

• Howden Corporate Security: Backed by Howden UK Brokers Limited, one of the UK’s largest and most trusted insurance broking groups.

• Generous Standard Inclusions: Includes £25,000 contents cover, accidental damage, and malicious tenant damage as standard on primary lines.

• 90-Day Unoccupancy Cushion: Exceptional 90-day unoccupancy allowance for empty properties between lets or during refurbishments.

• Direct Tenant Emergency Dispatch: Emergency boiler and plumbing options allow tenants to call claims handlers directly 24/7, reducing landlord friction.

• Human Advisers: Dedicated UK-based team offering direct phone conversations rather than automated chat systems.

Cons:

• Intermediary Broker Model: They do not carry risk directly; policies are subject to individual panel underwriter terms and broker processing fees.

• Landlord Only: They specialise exclusively in let and commercial properties rather than standard owner-occupied home insurance.

• Rent Guarantee is Optional: Full rent guarantee and legal eviction protection require a paid bolt-on to base building rates.

Customer service and claims handling

Operations are managed out of their dedicated Colchester administrative hub alongside Howden’s national infrastructure:

• Colchester Support Desk: Mid-term policy adjustments, portfolio additions, and renewal negotiations are handled directly by their specialist team on 01206 655 899.

• Underwriter-Directed Claims: If an insured property suffers storm, fire, flood, or malicious tenant damage, claims are reported to and administered by the dedicated claims desk of the specific panel underwriter (e.g., AXA, Ageas, or Aviva) backing your schedule.

• 24/7 Legal & Emergency Lines: Policyholders gain round-the-clock access to legal advice lines and home emergency dispatch services.

Sourcing a quote against the market

To obtain a quote, you can visit the official Protect My Let website to submit an online enquiry or speak to their Colchester team over the phone. However, because landlord legal expenses caps, compulsory water excesses, and tenant default conditions vary significantly across rival specialist brokers, running a parallel market comparison is always recommended. 

At Money Helpdesk, our independent property specialists excel at mapping out buy-to-let, HMO, and non-standard landlord risks. Get in touch today, and we will handle the market search to help you secure the ideal deal for your property.