Landlord Insurance for The Landlord Association Members
Landlord Insurance for The Landlord Association Members
From a single rental property to large portfolios and specialist accommodation.
As an insurance partner of The Landlord Association (TLA), SRS Insurance provides members with access to a comprehensive range of landlord and property insurance solutions.
Whether you own a single residential property, several buy-to-let properties, a substantial property portfolio or properties with more specialist occupancies, we can help.
Choose our online Quote & Buy service for suitable risks or speak directly to our property team where your requirements are more complex.
Quick Quote Form
No lengthy form. Leave your details and we’ll call you to discuss your requirements.
Online Quote and Buy
Get Your Landlord Insurance Quote
Landlord Insurance
Insurance for Landlords of All Sizes
From a single buy-to-let property to substantial property portfolios, SRS Insurance can arrange insurance across a broad range of landlord risks.
Residential Landlords
Property insurance for residential landlords and buy-to-let property owners.
Portfolio Landlords
If you own several properties or a substantial portfolio, talk to our property team about reviewing your insurance requirements collectively.
HMOs
Insurance solutions for Houses in Multiple Occupation and more complex residential property risks.
Unoccupied Property
Insurance for properties that are vacant or temporarily unoccupied, including properties:
- between tenants
- awaiting sale
- undergoing refurbishment
- awaiting occupation
- subject to probate or estate administration
- awaiting a change of use
Portfolio Landlords
Own a Property Portfolio?
Your portfolio may deserve more than an individual online quote.
If you own multiple properties, our property team can review your insurance requirements across the portfolio rather than treating every property as an isolated risk.
We can consider portfolios containing:
- Residential properties
- HMOs
- Commercial properties
- Unoccupied properties
- Mixed-use properties
- Properties undergoing refurbishment
- Supported accommodation
- Children's homes
- Local authority lets
- Other specialist occupancies
Specialist Property Insurance
Not Every Landlord Risk Is Standard
One of the advantages of dealing with SRS Insurance is that our property expertise extends beyond conventional residential landlord insurance.
We also arrange insurance for landlords and property owners operating within specialist and non-standard sectors.
Children's Homes
Specialist property insurance for landlords leasing properties to children’s home operators and other children’s services.
Supported Living
Insurance for landlords whose properties are leased to supported living providers and organisations providing care and support.
Local Authority Lets
Insurance for landlords whose properties are leased or provided to councils, local authorities and organisations delivering commissioned accommodation.
Asylum Seeker Accommodation
Property insurance for landlords and property owners providing accommodation used for asylum seeker housing.
Homeless & Temporary Accommodation
Insurance for properties used for temporary, emergency and homelessness accommodation.
Something More Unusual?
If your property doesn’t fit a conventional landlord insurance profile, tell us what you have and let our property team look at it.
Why SRS Insurance?
Online When It's Simple. A Broker When It Isn't.
We believe landlords should be able to access insurance in the way that suits their requirements.
Quick Online Quote & Buy
For suitable landlord risks, use our online quotation service to obtain a quote and arrange cover.
Portfolio Expertise
If you own multiple properties, speak to us about reviewing the portfolio as a whole.
Specialist Property Knowledge
We understand many of the property occupancies that can fall outside conventional landlord insurance.
Human Support
If your circumstances don’t fit an automated quotation journey, our property team is available to help.
One Property or a Large Portfolio
Our proposition is designed to support landlords as their property interests grow.
FAQ
Yes. For suitable risks, you can use our online Quote & Buy service to obtain a landlord property insurance quotation and arrange cover online.
Yes. If you own multiple properties, leave your name and telephone number and our property team can discuss your portfolio with you.
We can assist with HMO insurance. Depending on the circumstances, this may be available through our online quotation service or handled directly by our property team.
Yes. SRS can arrange insurance for a range of unoccupied and vacant properties.
SRS specialises in property insurance for supported living and other specialist accommodation arrangements.
Yes. We have specialist experience arranging property insurance for landlords whose properties are used as children’s homes and related services.
We can assist with properties leased or provided to local authorities and organisations delivering commissioned accommodation.
Use our short enquiry form. Simply provide your name, telephone number and type of risk and a member of our property team can contact you.
Let's Get Your Property Insured
Straightforward landlord risk?
We believe landlords should be able to access insurance in the way that suits their requirements.
Portfolio, specialist or more complex?
Leave us three details and we’ll call you.
SRS Insurance | Specialist Property Insurance for Local Authority, Asylum Seeker & Homeless Accommodation
SRS Insurance | Specialist Property Insurance for Local Authority, Asylum Seeker & Homeless Accommodation
SRS Insurance provides specialist property insurance for hotels, B&Bs, HMOs and residential buildings leased to local authorities, asylum seeker agencies and homeless accommodation providers. Tailored cover for high-risk and non-standard occupancy.
Why You Need Specialist Insurance
Most standard insurers refuse cover when:
- Tenants are placed by local authorities
- The building is used as asylum accommodation
- Emergency placements or rough sleeper schemes operate
- There is no AST agreement
- Occupants are transient, high-risk or cannot be vetted
- A hotel or B&B is repurposed for temporary housing
If the insurer is not told about the true occupancy, claims can be rejected.
SRS Insurance specialises in these exact scenarios.
What SRS Insurance Covers
Our cover is designed to protect the building, the landlord and the income stream — even in challenging accommodation environments.
Buildings Insurance
Protection against:
- Fire, flood and storm damage
- Escape of water
- Malicious damage by tenants
- Accidental damage
- Impact damage
- Vandalism or forced entry
Suitable for hotels, B&Bs, HMOs, flats and commercial buildings converted into accommodation.
Landlord Contents Cover
Covers furniture, fixtures and fittings, including:
- Beds and basic furnishings
- White goods
- Carpets and flooring
- Kitchen equipment
- Communal-area items
Loss of Rent & Alternative Accommodation
If the building becomes uninhabitable due to an insured event, we can cover:
- Loss of rent paid by the council or agency
- Temporary accommodation costs
- Contractual obligations to providers
Property Owners’ Liability
Covers injury or damage claims involving:
- Occupants
- Visitors
- Support staff
- Contractors
- Local authority workers
If someone trips on a broken step or is injured by an appliance, liability cover protects the property owner.
Employers’ Liability (Where Required)
If you employ:
- Caretakers
- On-site teams
- Maintenance workers
…employers’ liability is a legal requirement.
Malicious Damage by Tenants
Essential for high-turnover or difficult-to-vet placements, covering deliberate or reckless damage caused by residents.
Unoccupied Property Cover
Optional cover for periods where:
- The council contract hasn’t started
- The property is between placements
- Renovation or compliance works are underway
Who This Insurance Is For
SRS Insurance works with:
- Hotel and B&B owners leasing all or part of their building
- Landlords with HMOs used for asylum or vulnerable placements
- Investors converting commercial units into temporary accommodation
- Property owners supplying rooms for rough sleeper programmes
- Owners leasing buildings for Home Office asylum contracts
- Charities and supported housing partners
- Developers leasing serviced apartments to the council
We also cover buildings used under:
- Section 188 Housing Act placements
- Home Office Asylum Accommodation (AASC) schemes
- Resettlement programmes (Syrian, Afghan, Ukrainian etc.)
- Emergency or crisis accommodation contracts
Why Standard Insurance Fails
Typical insurers decline because:
- They require an AST: none exists in emergency placements
- They exclude asylum seeker or homeless tenants
- They don’t accept council-placed residents
- They class the property as high-risk
- They exclude malicious damage
- They reject non-standard occupancy contracts
SRS Insurance works only with underwriters who understand this sector.
Frequently Asked Questions
Yes — but only with a specialist insurer. Standard hotel policies almost always exclude this.
Absolutely. Failure to disclose tenant type can void the entire policy.
Yes — portfolio cover with a single renewal date is available.
Yes — we work directly with property managers and procurement teams.
Why Choose SRS Insurance?
Our strengths include:
- Extensive experience with temporary and supported housing
- Access to specialist A-rated insurers
- Fast quotations — single property or full portfolio
- Flexible terms for complex or mixed-use buildings
- Support reviewing council contract requirements
- Advice on risk management & compliance
Whether you are leasing six rooms or sixty, SRS Insurance provides tailored cover that protects your asset and your livelihood.
Request a Quote from SRS Insurance
If you lease your property to a local authority or government contractor — or plan to — you need specialist protection.
SRS Insurance can help you with:
- Correct property cover
- Loss of rent protection
- Liability and compliance requirements
- Contract and risk review
Protect your property investments with SRS Commercial Property Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
SRS Insurance | Specialist Property Insurance for Children’s Homes & Supported Living Landlords
SRS Insurance | Specialist Property Insurance for Children’s Homes & Supported Living Landlords
SRS Insurance provides specialist property insurance for landlords leasing buildings to children’s homes, supported living providers, assisted living schemes and semi-independent accommodation. Tailored cover for high-risk, regulated and non-standard tenants.
Why Standard Landlord Insurance Won’t Cover This Type of Use
Typical landlord insurance assumes:
- ASTs (Assured Shorthold Tenancies)
- Low-risk adults
- Light domestic use
- No regulatory oversight
- No care services
Children’s homes and supported living settings involve:
- High-risk or vulnerable occupants
- Staff on-site 24/7
- Higher wear-and-tear and damage frequency
- Regulatory compliance (Ofsted / CQC)
- Behavioural incidents
- Multiple agencies interacting with the property
Because of this, disclosure is mandatory — if a landlord fails to notify their insurer, claims can be rejected.
Who This Insurance Is Designed For
SRS Insurance protects landlords who rent to:
- Ofsted-Registered Children’s Homes (4–5 bed C2 use)
- SEMH / EBD homes
- 16–18 semi-independent accommodation
- Supported Living providers (non-regulated & regulated)
- Adults with learning disabilities or autism
- Mental health supported accommodation
- CQC-registered assisted living homes
- Supported accommodation run by charities or housing associations
Whether you’re a single-property landlord or a full portfolio investor — we can cover it.
What SRS Insurance Covers
Our specialist landlord insurance includes everything required for higher-risk and regulated placements.
Buildings Insurance
Protection against:
- Fire, flood, storm & escape of water
- Accidental & malicious damage (including resident-caused)
- Impact, vandalism & forced entry
- Damage caused by behavioural incidents
- Damage caused by staff or visitors
Landlord Contents Insurance
Covers:
- Furniture and fixtures
- Flooring and carpets
- White goods
- Communal-room furnishings
- Fire doors, safety equipment & specialist fixtures
(Contents relevant to the provider’s care equipment can be insured by them separately.)
Property Owners’ Liability
Protects against injury or damage claims involving:
- Residents
- Care staff
- Social workers
- Visitors
- Local authority professionals
If someone injures themselves due to a property issue, you (the landlord) may be liable — this cover protects you.
Loss of Rent
Covers income loss if the home becomes uninhabitable due to:
- Fire or flood
- Structural damage
- Major insured events
This is essential for landlords with long-term leases to care providers.
Alternative Accommodation / Rehousing Costs
If required by contract.
Unoccupied Property Cover
For periods where:
- Registration is pending
- Refurbishment is underway
- The provider is onboarding staff
- Awaiting local authority placements
Malicious Damage by Occupants
One of the most critical features — standard policies rarely include this.
Covers:
- Intentional damage
- Violent outbursts
- Behaviour-related property destruction
Supported Living vs Children’s Home – Different Risks, Different Cover
SRS Insurance understands the differences:
Ofsted Children’s Homes
- C2 use class required
- 24/7 staffing
- Behaviour and safety management
- Higher frequency of property damage
- Strict fire and compliance obligations
Supported Living (Non-Regulated)
- Residents may live independently with visiting carers
- Mixed risk profile
- Damage less frequent but still above standard BTL
Assisted Living (CQC-Regulated)
- On-site care teams
- Increased medical equipment
- Specialist property requirements
Each setting requires a different insurance structure — SRS Insurance provides the right one.
Why Landlords Choose SRS Insurance
We specialise in high-risk & regulated property use
- Experienced in children’s services, supported living & care environments
- Work directly with property investors, providers and housing associations
- Fast quotes, even for complex or mixed-use portfolios
- A-rated specialist insurers only
- Policies tailored to your lease agreement
- Guidance on planning class, C2 use, compliance & risk
We understand the care sector — and how it impacts your insurance.
Typical Scenarios We Cover
1. Landlord leasing a 4-bed house to an Ofsted residential home
- Long-term FRI lease
- High-risk residents
- Behavioural damage protection included
2. Supported Living provider renting a 6-bed HMO
- Mixed independence levels
- Staff office on site
- Wear-and-tear and damage increases
3. Assisted living conversion
- Ramped access, widened doors, wet rooms
- Medical equipment on-site
- Higher liability considerations
4. Semi-independent 16–18 placement
- Lower staffing levels
- Higher turnover
- More chance of accidental or intentional damage
Get a Specialist Insurance Quote
If you are a landlord leasing a property to a children’s home, supported living or assisted living provider, SRS Insurance will ensure you are properly protected.
We will help you:
- Disclose the correct occupancy
- Meet contract and compliance requirements
- Avoid underinsurance
- Protect rental income
- Cover malicious damage & liability risks
Safeguard your people, property, and purpose with SRS Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
High Value Home Insurance for Luxury Properties | SRS Insurance
High Value Home Insurance for Luxury Properties | SRS Insurance
Protect your luxury home, contents, and valuables with SRS High Value Home Insurance. Tailored cover for high-net-worth clients and multi-property owners.
Who Needs High Value Home Insurance?
Typical clients include:
- Business owners and company directors
- Property investors and landlords with luxury portfolios
- Celebrities, professionals, and public figures
- Owners of period or listed homes
- Anyone whose property or contents exceed the limits of standard insurers
If you’ve ever been refused cover due to high rebuild or contents value, this policy is designed for you.
What Does High Value Home Insurance Cover?
A comprehensive HNW policy from SRS Insurance includes:
Buildings Insurance
- Covers full rebuild costs, period features, listed status, and architectural details.
Contents & Valuables
- “Worldwide all-risks” cover for contents, valuables, and personal items — including accidental loss or damage anywhere in the world.
Specific Asset Protection
- Cover for:
- Jewellery and watches
- Fine art, antiques, and collectibles
- Designer fashion and high-end tech
Lifestyle & Additional Covers
- Home Emergency & Legal Expenses (included as standard)
- Cyber Protection – safeguards smart home systems and identity data
- Second Homes & Holiday Homes – add multiple properties under one policy
- Employers’ Liability – protects against claims from nannies, cleaners, or gardeners
Example Scenarios Covered
- A £25,000 Rolex is stolen abroad — fully covered under worldwide valuables protection
- A wine fridge leak damages a rare wine collection
- Storm damage destroys a listed country home — rebuild covered in full
- A £12,000 handbag lost in a taxi is replaced at full market value
Why Standard Home Insurance Isn’t Enough
Standard home policies often fail to protect high-value clients because they:
- Have low single-item limits (£1,500–£2,500)
- Cap contents at £50,000–£75,000
- Exclude art, jewellery, or collectibles without prior valuation
- Lack worldwide personal possessions cover
- High Net Worth insurance offers global protection, concierge-level service, and fewer restrictions.
How Much Does It Cost?
Premiums are based on:
- Property rebuild value
- Contents and valuables sum insured
- Claims history
- Number of homes insured
- Security systems and location
Typical guide:
- Homes worth £1M rebuild / £200k contents: from £800–£2,500 per year
- Higher for multi-home, listed, or art-collection properties
SRS Insurance works with leading high-net-worth insurers to deliver bespoke protection at competitive rates.
Why Choose SRS Insurance?
- Specialists in high value and luxury property insurance
- Access to the UK’s top private client insurers
- Expert valuations and policy tailoring
- Discreet, confidential service with fast claims support
- Dedicated personal adviser for every client
Get a Quote Today
Protect your lifestyle, assets, and peace of mind with SRS High Value Home Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Unoccupied Property Insurance for Vacant Buildings | SRS Insurance
Unoccupied Property Insurance for Vacant Buildings | SRS Insurance
Protect empty residential or commercial properties with SRS Unoccupied Property Insurance. Flexible short-term or long-term cover for empty buildings.
Why Standard Cover Isn’t Enough
After 30 consecutive days of being unoccupied, most insurers restrict cover to FLEA only:
- Fire
- Lightning
- Explosion
- Aircraft damage
This means escape of water, theft, malicious damage, and storm damage are no longer covered.
In some cases, insurers may even void the policy entirely if the unoccupancy isn’t declared.
That’s why a specialist unoccupied property policy is essential.
What Does Unoccupied Property Insurance Cover?
A tailored policy through SRS Insurance can extend beyond FLEA to include:
- Theft and vandalism
- Escape of water (e.g. burst pipes or leaks)
- Storm and flood damage
- Malicious or accidental damage
- Legal expenses for property-related disputes
- Public and property owner’s liability cover
Cover can be customised based on:
- Duration of vacancy
- Security measures in place
- Frequency of property inspections
- Whether renovation or development work is ongoing
Why Is Unoccupied Property Insurance More Expensive?
Empty buildings carry a higher risk of:
- Vandalism and arson
- Squatting or unauthorised entry
- Undetected damage (e.g. leaks or fires)
- Insurance fraud or malicious acts
Claims often go unnoticed for weeks, so insurers factor this into the cost.
Typical guide prices:
- Residential unoccupied property: from £250–£1,000+ per year
- Commercial or listed properties: higher, depending on size, condition, and location
How to Enhance Your Cover
You can often unlock wider cover and better premiums by maintaining basic safety protocols:
- Weekly property inspections (can be outsourced)
- Turn off and drain water systems
- Secure entry points and fit alarm systems
- Notify insurers of any planned building works
- Remove post and visible signs of vacancy
These measures demonstrate active risk management, which allows SRS to negotiate enhanced terms and lower premiums.
Example Scenarios
- A probate property left vacant over winter suffers severe water damage from frozen pipes.
- A commercial unit awaiting new tenants is vandalised after being left unsecured.
- A house in legal dispute is targeted by arson — only FLEA cover applies, leaving theft-related damage excluded.
Why Choose SRS Insurance?
- Specialists in unoccupied and vacant property insurance
- Access to leading UK insurers for flexible short- and long-term cover
- Option to insure multiple vacant properties under one policy
- Expert advice on risk reduction, inspections, and claim prevention
- Competitive pricing and responsive claims support
Get a Quote Today
Protect your empty building or investment property with SRS Unoccupied Property Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Commercial Property & Landlord Insurance | SRS Insurance
Commercial Property & Landlord Insurance | SRS Insurance
Protect your commercial property or portfolio with SRS Insurance. Tailored cover for shops, offices, warehouses, and mixed-use buildings across the UK.
What Types of Properties Are Covered?
SRS Insurance offers flexible policies that can cover:
- Shops and retail units
- Offices and consultancy spaces
- Industrial units and warehouses
- Restaurants, cafés, pubs, and takeaways
- Mixed-use premises (commercial + residential)
- Vacant or unoccupied buildings
- Entire property portfolios under one master policy
What Does Commercial Property Insurance Cover?
A standard SRS policy can include:
- Buildings Insurance
Covers the structure, fixtures, and fittings of your building against insured events like fire, flood, or storm damage. - Landlord Contents
Optional cover for furnishings or equipment within the property. - Loss of Rent
Protects your income if tenants can’t occupy the property following a claim (e.g. fire or flood). - Public Liability
Covers injury or damage to third parties on your premises. - Employers’ Liability
Required if staff, contractors, or caretakers work on-site. - Legal Expenses
Helps with disputes such as tenant claims, evictions, or contract issues. - Terrorism Cover (Optional)
Often required by lenders or commercial mortgage providers.
Example Scenarios Covered
- Fire damages a tenant’s retail unit — landlord claims for repairs and lost rent
- Storm causes roof damage to a warehouse
- Vandalism at an unoccupied property
- Legal dispute with a commercial tenant over lease obligations
How Much Does It Cost?
Premiums depend on:
- Property location, type, and rebuild cost
- Tenant business type (e.g. takeaways or nightclubs = higher risk)
- Occupancy status (let vs. unoccupied)
- Claims history
- Number and value of properties
Typical guide:
- Single property: from £250 per year
- Portfolios (2+ properties): discounted multi-property rates
SRS Insurance can combine all your properties into one easy-to-manage policy — saving you both time and money.
Portfolio Policies – Simple & Cost-Effective
Managing multiple properties? A portfolio policy offers:
- One renewal date for all properties
- Consolidated premium and documents
- Competitive multi-property discounts
- Flexibility to add or remove properties mid-term
Whether you own commercial units, offices, or residential lets, SRS makes it simple to protect your entire portfolio under one umbrella.
Why Choose SRS Insurance?
- Specialists in landlord and commercial property insurance
- Access to top UK insurers and bespoke underwriting
- Tailored cover for mixed-use, vacant, and multi-let premises
- Dedicated claims and renewal support
- Expert advice from a Yorkshire-based brokerage you can trust
Get a Quote Today
Protect your property investments with SRS Commercial Property Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.