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Landlord Insurance

Protect Your Rental Property with Tailored Landlord Insurance

*Min premium of €218 & 5 years claims free. €60 applied to new business online quotes. Acceptance criteria, T&C’s apply.

Why you should opt for AA Landlord Insurance 🏠

When you have property you’re renting, you want to be safe in the knowledge everything is taken care of. That means having an appropriate level of cover with dedicated landlord insurance for rental properties.

You can get a 40% No Claims Discount & €60 Off when you apply online at the AA.

Just get a quote before 31st Oct 2024.*.

Landlord insurance may not be a compulsory requirement, but it is highly recommended for properties such as buy-to-lets. Whether you own an apartment or a full home,

AA Landlord Insurance provides customized coverage with essential benefits and features, such as…

Already have an AA Membership or AA Car Insurance?

You’ll automatically qualify for customers receive exclusive discounts on AA Landlord Insurance.

Accidents happen, and landlords can’t be there all the time to prevent them.

Landlords insured through AA common product policies are covered for third-party claims up to €3,000,000.

Rehousing tenants or paying for lost rent after an event like a flood or fire can be costly, especially when unexpected.

AA common product policies cover up to 15% of your buildings & contents sums insured.

There is a possible chance you’ll be responsible for call-out charges in the event of a fire.

With landlord insurance in place, you can get covered for fire brigade charges up to €3,000.

 

When an attempted break-in occurs, you want assurances your tenants and property will remain safe.

AA Landlord Insurance covers lock replacement up to €1,000.

Items like furniture and home appliances often need stored safely.

AA landlord insurance can provide cover for contents in outbuildings (up to €3,000) & in the garden (up to €700).

Finding a leak in rental property can feel like finding a needle in a haystack.

The AA can assist with Trace & Access (up to €700), with escape of water also covered as part of landlord insurance (where excess is €1,000).

Enhance Your Peace of Mind with AA Home Emergency Assistance

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Enhance Your Peace of Mind with AA Home Emergency Assistance

Receive immediate assistance during emergencies. Our expert team is on standby to help with a range of issues, from plumbing emergencies to electrical faults, safeguarding the security of your home.

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Safeguard Your Retreat with Holiday Home Insurance

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Safeguard Your Retreat with Holiday Home Insurance

Customized protection for your second home, providing reassurance during your absence. Discover adaptable solutions tailored to your requirements.

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Secure Your Home’s Belongings with AA Contents Insurance

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Secure Your Home’s Belongings with AA Contents Insurance

Our top priority is ensuring the safety of your home and possessions through our extensive coverage choices. Enjoy customized plans, round-the-clock claims assistance, and exclusive member benefits. Save €115 on your Home Insurance + Get an extra 10% discount*

Secure your home and future today!

Secure Your Home’s Belongings with AA Contents Insurance

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Secure Your Home’s Belongings with AA Contents Insurance

Protect your treasured possessions with flexible coverage for your valuables, providing you with confidence against theft, damage, and unforeseen perils.

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Frequently Asked Questions for Landlord Insurance

There are more risks associated with letting a property than just living in one. Do not under estimate the importance of having the right insurance for your investment. Some landlords make the mistake of relying on normal household insurance cover which is not adequate. An investment property requires specific “buy-to-let” insurance that covers a landlord from financial losses connected with their rental properties.

We are able to quote for private  homes and purpose built apartments which are owned by you that are let to families, couples and professionals.

AA Landlord Insurance is designed to give you with the highest level of protection; our policies provide full cover for a period of up to 45 consecutive days while the property is unoccupied, subject to you taking certain precautions. Please speak to one of our agents on 0818 227 228 for more details.

The building insurance should be covered by the management company in an apartment. You should always check with the management company to make sure that they have arranged this – ask them for a copy of the policy. It is vital to take out a separate policy to cover third party liability, loss of rent and contents cover.

Yes, the cover would apply to your  contents only. Your tenants would need to arrange a separate “renters insurance” policy for them to ensure adequate cover is in place. We offer home contents cover which comes with great benefits like;

  • Food in your freezer (up to €1,250)
  • Door lock replacement (up to €750)
  • The contents of your shed or garage (up to €1,000)

Get a quote for contents insurance here

Yes, you can get immediate cover online here or it can be arranged over the phone, call us on 0818 227 228.

Landlord Insurance comes with benefits such as cover for garden and shed contents as well as;

  • Owners Liability to the public (up to €3,000,000)
  • Rent & alternative accommodation (up to 15% of the sums insured)
  • Fire brigade charges (up to €3,000)
  • Door lock replacement (up to €1,000)

Claims will vary depending on claim types and events surrounding the claim.

Landlord policies will not cover you for certain benefits that you commonly find In an Owner Occupied policy.

Benefits such as Accidental Damage to Buildings or Contents, Family Personal Accident Cover and No Claims Bonus Protection would not be Included in a Landlord policy.

While Landlord Insurance is similar to Home Insurance for Owner Occupied properties in terms of cover provided for the property owners buildings and contents, there are some differenced in benefits that come with a Landlord policy.

 

An example of this would be cover for the loss of rent, or costs associated with providing alternative accommodation for tenants, in the event of a claim. Meanwhile benefits such as accidental damage and family personal accident cover would not be included in a Landlord policy. The differences in cover can be found here.

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Terms and Conditions

*Min premium of €218 & 5 years claims free. €60 applied to new business online quotes. Acceptance criteria, T&C’s apply.

**Available on owner occupied policies only. Acceptance criteria, terms and conditions apply.

^Acceptance criteria, terms and conditions apply.

The AA is all about making our policies and coverage as clear-cut as possible. All the benefits listed above are covered as part of AA common product policies (Aviva and RSA). If you want more detail on the elements of landlord insurance you can expect, please see Cover Summary for more details on AA common product, AA Liberty, AA Allianz and AA AXA.