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Residential Landlord Insurance

We offer a great range of Residential Landlord Insurance policies at extremely competitive rates

Our products are underwritten by leading UK insurers including Zurich, LV=, NIG, and Certain Underwriters of Lloyds.

We search the market to find you the best available rates for properties of all types and sizes, including HMOs, bedsits and purpose-built flats.

Buildings and contents insurance for Landlords

We provide landlord insurance quotes to the private rented sector for properties let to professionals/people of independent means, students, DSS and even unoccupied properties. In addition we provide comprehensive cover for UK Holiday and Second Homes.

Standard residential buy to let property insurance rates for professional lets start at just £1.80 per £1,000 sum insured but can also be negotiated subject to volumes of business.

Policy benefits

We provide comprehensive Residential Landlords Insurance covering all standard perils for a wide range of property types:

  • Cover for houses, bungalows and flats
  • Commercial and residential combined insurance
  • Loss of rent up to 30% of buildings sum insured
  • Property owner's liability up to £5,000,000
  • Up to 30 days unoccupancy between lets through certain underwriters
  • Contents cover up to £40,000 on a “new for old” basis
  • Policy excess for professional lets from: £100 for buildings and contents
  • Policy excess for non-professional lets from: £250 for buildings and contents

Call us on 0800 408 6800 for a competitive quote on ANY buy-to-let property!

Please note that the above information provides a summary only; full policy terms and conditions are found in the policy wording(s). For the levels of cover, excesses and terms and conditions that apply specifically to your insurance, please read through your insurance certificate & statement of fact and the policy wording.

The terms & conditions set out in the policy wording(s) form the basis of the insurance contract; these should be read and understood prior to taking out the policy. Please do not hesitate to contact us if you would like more details.


Charden acts as an insurance intermediary. We are an independent insurance broker that offers exclusive rates on a wide range of insurance products from leading UK insurers.

Charden is regulated by the FCA, the regulator of the financial services industry in the UK (No: 4302819). We are placed on their register and comply with all their regulations allowing us to advise and sell insurance.

We adhere to the Codes of Practice of the Association of British Insurers (ABI), and the Financial Ombudsman Service. Your personal details and any customer information provided are also covered by the Data Protection Act. We are members of the British Insurance Brokers Association.

Charden policies are underwritten by leading UK insurance companies such as RSA, Sterling, Allianz, AXA, Amlin and certain underwriters at Lloyd’s.

Experience and expertise ensures that Charden provide a flexible and comprehensive range of insurance products at competitive rates.

Charden is committed to:

  • Providing comprehensive advice on all products and services
  • Rapid claims handling service
  • Prompt resolution of all customer transactions and queries
  • Presenting value for money products
  • We strive for all transactions to be completed accurately and promptly, and will endeavour to ensure that all Charden clients receive dedicated customer support.

Charden welcomes all businesses of all sizes to work with us, including insurance brokers, letting and estate agents, independent financial advisors and any other property related businesses throughout the UK.

No, there are no registration fees or administration costs involved when setting up an account with us.

There is no minimum amount of policies needed to be placed on cover each month. However, our excellent agent support service is designed to help grow your businesses, and our commission structures further reward those doing large volumes with us.

You will receive commission for every policy you put on cover with us. Our standard commission rate is 20%, but this is negotiable dependent on the amount of business placed with us.

Policy documents are automatically emailed to customers when cover is placed, however please allow between 2 to 3 days for the documents to arrive via the post, if this is the customer’s preferred method.

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