10 ways to be a great landlord.

Being a landlord is a big deal, with lots of things to consider. So where do you start? Here are our top 10 tips to get you on your way and keep you on track.

Step 1

Get protected

Your rented property is too important to just assume that your regular home insurance policy will provide you with the cover you need. You'll often need protection that's only available in a landlord insurance policy.

Step 2

Do you need a HMO license?

Is your rented house 3 or more stories high? Does it have 5 or more people from 2 or more households in it? If so, you're going to need to get a House of Multiple Occupants (HMO) license from your local council.

Step 3

Are your tenants legit?

You’re going to need to check all new tenants, it’s the law. You must carry out ‘right to rent’ checks to ensure that your tenants can legally live in the UK.

Step 4

Get a tenancy agreement sorted

Make sure you have some form of tenant agreement in place. Assured Short Hold tenancy agreements are the most common. It will lay out the terms of the tenancy and everyone will be clear on their responsibilities.

Step 5

Deposit protection

You'll need to use a government approved deposit scheme (TDP) if you’ve rented on an assured short hold tenancy that started after 6 April 2007. Not doing so could result in a big fine.

Step 6

Don't get caught out with tax

Believe it or not, the rent you collect will be classed as income. This may mean you’ll be liable to pay tax, but it depends on how much profit you make and your own personal circumstances. Visit www.gov.uk/ for some further guidance.

Step 7

What's an EPC?

Energy Performance Certificates (EPCs) are needed whenever a property is built, sold and rented; so that means you’ll need to get one if you haven't already done so. It’s hassle free and straight forward.

Step 8

Fire safety

This one is a no brainer, it’s crucial to ensure that all furniture and furnishings follow the guidelines set under the Furniture and Furnishings (Fire Safety) Regulations 1988 (Amended 1989, 1993 and 2010).

Step 9

Keep it safe

There are loads of different security devises out there these days, from simple mortise locks to CCTV you can check on your phone. You'll want the property to be safe, and your tenants will want to feel secure in their new home. So why not consider beefing up the security if it’s lacking adequate measures.

Step 10

Property upkeep

Wear and tear is inevitable, it’s just one of those things, from worn carpets to repainting walls. You’ll need to maintain the property at the standard you first let it. It will likely save you money and hassle if you keep on top of small problems as they arise.


Find out more about landlord insurance

Whatever the size of your portfolio, we can help you protect your property and your rental income.


Is home insurance enough if you are a landlord?

What’s the difference between landlord and home insurance?


How to avoid problem tenants

See our tips on finding the right tenants.


Get a quote

We work with Arthur J. Gallagher Insurance Brokers Limited, who will search a panel of insurers to get you a quote.

Its simple and straightforward to get a quote, just call 01384 862645 for advice and support from insurance specialists. Lines are open Monday to Friday 9am-5pm.