Landlord insurance
Letting a home changes what needs insuring and what needs certifying. Keep both, with their dates, in one place.
A let home comes with a policy that renews, a Gas Safety Certificate every 12 months and an EPC every 10 years. Wisemium keeps each one with its date, so the next one due is never a surprise.
Quotes come from an FCA-authorised comparison service, not from Wisemium. Wisemium does not give insurance advice.
Your let home at a glance
- Landlord insurance
- Renewal date on record
- Gas Safety Certificate
- Renewed every year
- EPC
- Valid for ten years
Example. Your own details appear once you add them.
Where are you with your landlord insurance?
I’m about to let my home
Tell your home insurer, and your mortgage lender, before the tenancy starts.
What changesA certificate is due
Book the Gas Safety check or the EPC, then keep it with the home.
The certificatesI already have cover
Add the policy and its renewal date beside the certificates.
Add my landlord insuranceA let home’s year
Before the tenancy
Cover and certificates in place
Landlord insurance, a current Gas Safety Certificate and a valid EPC.
Every 12 months
Gas Safety check
By a Gas Safe registered engineer, with a copy for the tenant.
Renewal approaching
Check the policy
Has the tenancy, the rent or the property changed? Tell the insurer.
Get quotes if needed
Compare with a provider
Quotezone, an FCA-authorised comparison service, shows the options available to you.
Every 10 years
A new EPC
Before the old one expires, if the home is still let.
What you need for a landlord insurance quote
0 of 8 done
The property
The let
You
Nothing you tick here is saved. Add your policy and certificates to Wisemium and their dates are kept with the home.
Home insurance usually stops at letting
A standard home policy normally covers a home you live in. Tell your insurer before you let, and your mortgage lender too; landlord insurance covers the building, your furnishings and your liability as a landlord.
The certificates
In England a let home needs a Gas Safety Certificate renewed every 12 months, a valid EPC (which lasts 10 years) and an electrical safety report every five years.
Loss of rent
Some policies pay the rent you lose while the home cannot be lived in after an insured event. It is often an option rather than standard.
Common questions
- Does Wisemium sell landlord insurance?
- No. Wisemium keeps your policy and its renewal date on record. Quotes come from Quotezone, an FCA-authorised comparison service, and the policy is with the insurer you choose.
- Can I use my home insurance if I let my home?
- Usually not without telling the insurer. Most home policies cover a home you live in, not one you let.
- Will Wisemium tell me when a certificate is due?
- Its date is shown in Wisemium as needing attention before it arrives. Wisemium does not send renewal messages yet.