Understanding landlord insurance for student properties
Landlords renting flats to students are often open to more risks than those renting to standard, long-term tenants. For example, students are often more prone to accidental damage, and tenancies are often shorter than a standard lease – typically only 12 months.
Landlord insurance offers protection for buildings, contents, and liability risks, considering the unique challenges of student tenancies.
Why choose AXA Landlord Insurance if you rent to students
Renting to students presents unique risks that standard landlords might not have much cause to consider. With a higher turnover of tenants, shared living spaces, and an increased likelihood of accidental damage, student rental properties can be more vulnerable to unexpected costs.
That’s why our landlord insurance ensures property owners are covered for key risks such as property damage, liability claims, and water claims.
What’s included in your cover?
You’ll be covered for:
Buildings – covers accidental damage to the structure of your property caused by fire, flood, or storms.
Property Owners’ Liability – up to £10 million cover for third-party claims.
Subsidence Cover – Protection against structural damage due to land shifts (this is also required by some mortgages for student rentals).
Alternative Accommodation Cover – if your property is uninhabitable following a claim, we’ll rehouse your tenants if no other insurance applies.
Cables and Underground Pipes Cover – covers costs due to damage to essential utilities, including electricity, gas, and water.
Accidental Damage Cover – including malicious damage caused by tenants.
What’s not covered?
While AXA’s Landlord Insurance offers broad protection for different types of damages caused by student tenants, some exclusions do apply:
General wear and tear – Damage from natural aging or standard use of the property.
Tenant’s personal belongings – Tenants need their own contents insurance.
Rent guarantee – AXA does not offer rent guarantee insurance.
Things on the property that can be moved – such as gates, fences etc.
Unoccupied properties (over 45 days) – Full cover applies for the first 45 days; after that, a reduced unoccupancy condition applies. If your property becomes unoccupied, it’s essential to notify AXA to discuss your coverage options.
What optional extras are available?
If you want to add protection for something that isn’t covered as standard under your policy, you can add an optional extra.
Choose from the following:
- Contents Cover – protection for fixtures and fittings provided by the landlord, such as sinks, bathroom.
- Loss of rental income – This isn’t included as standard, but it is an optional extra and must be added to your policy. Please note: this is not the same as rent guarantee.
How much does cover cost?
10% of our landlord customers paid from £15* a month for their cover between January and March of 2025.
*10% of our customers paid this or less between January and March 2025.
Every landlord policy is different and so is their price. There are several things that influence the cost of your policy, here are a few of the most common:
Location
Type & size of property
Number of tenants and occupancy type (e.g., House in Multiple Occupation (HMO))
Level of cover selected
Get a quote online to find a policy that suits your needs by clicking the button below.
Frequently asked questions
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*10% of our customers paid this or less between January and March 2025.
Terms, conditions, eligibility and exclusions apply. Underwritten by AXA Insurance UK plc.