As a responsible landlord in Wales, protecting your property and rental income is essential — and the right insurance is a key part of that protection. Whether you’re new to letting or a seasoned investor, understanding what insurance you need ensures you’re covered against risks and compliant with your obligations.

At Arthur Hamilton, we help landlords navigate the requirements and best practices of property letting in Wales — so you can let with confidence.

Essential Insurance Every Landlord in Wales Should Consider

Landlord Buildings Insurance

If your property suffers structural damage due to events like fire, flooding, or storm damage, landlord buildings insurance will cover the cost of repairs. Most buy-to-let mortgage lenders require this cover as a condition of your loan.

Landlord Contents Insurance

If your property is furnished or partially furnished, contents insurance protects items like appliances, carpets, and furniture you’ve supplied — not your tenant’s belongings.

Property Owners’ Liability Insurance

This protects you if a tenant or visitor is injured on your property due to something you could be held responsible for — such as a loose tile or broken handrail. It’s a critical layer of protection, especially in today’s litigious environment.

Loss of Rent Insurance

If your property becomes uninhabitable due to an insured event (like a fire), this cover helps recoup the rental income you would otherwise lose during the repair period.

Additional Protection Worth Considering

Rent Guarantee Insurance

Also known as tenant default insurance, this protects your income if a tenant fails to pay rent. Policies often include legal expenses to support eviction processes — but be aware of tenant referencing requirements to remain eligible.

Legal Expenses Insurance

Covers the cost of legal proceedings in disputes with tenants — whether it’s recovering unpaid rent, addressing damage, or enforcing the terms of your tenancy agreement.

Landlord Emergency Cover

This offers 24/7 access to emergency repair services for issues like broken boilers, burst pipes, or lost keys. It reduces stress for you and improves the tenant experience.

Legal Responsibilities for Landlords in Wales

Under the Renting Homes (Wales) Act 2016, which came into effect on 1 December 2022, landlords have additional obligations, including:

• Registering and licensing with Rent Smart Wales

• Providing a written occupation contract to all tenants

• Ensuring the property is fit for human habitation

• Completing a full electrical safety inspection (EICR) every 5 years

• Installing working smoke alarms, carbon monoxide detectors, and fire safety measures

While insurance isn’t a legal requirement, having the right cover protects your investment, strengthens your position in any disputes, and gives you peace of mind.

Expert Guidance, Tailored to You

At Arthur Hamilton, we work closely with landlords across Wales to ensure your property is compliant, protected, and profitable. Whether you’re letting a brand-new build or a long-standing rental, we can guide you through insurance options and best practices.

📞 Want to talk through your landlord insurance needs?
Get in touch with our team today — we’re here to help.

Our Office Locations

Cardiff Office
📍 Arthur & Hamilton Ltd, 75 Broadway, Cardiff CF241QE 
📞 020 4538 9330
📧 info@arthurhamilton.uk