What does residential real estate insurance cover?

Residential real estate insurance covers blocks of flats, HMOs, and portfolio landlord properties, including buildings, loss of rent, property owners' liability, and directors and officers cover for RMCs and freeholders.

Is residential real estate insurance a legal requirement?

It is not compulsory by statute, but mortgages, leases, and lender conditions almost always require buildings cover. Employers' liability is required where a management company employs staff.

Who pays for buildings insurance on a block of flats?

The freeholder or resident management company (RMC) typically arranges buildings insurance and recovers the cost from leaseholders as an insurance rent or service charge contribution under the lease.

Does the policy cover directors of a resident management company?

Directors and officers liability can be added to protect RMC or right-to-manage company directors against personal liability for management decisions, particularly around service charges and major works.

Are HMOs covered under standard landlord insurance?

HMOs typically require specialist cover reflecting the higher occupancy, licensing conditions, and elevated risk profile. Standard single-let landlord policies are usually not suitable.

How is the sum insured for a block of flats set?

Sum insured should reflect full reinstatement cost, including demolition and professional fees. A RICS reinstatement cost assessment every three to five years is generally advisable to avoid underinsurance.

Residential Real Estate Insurance | Landlord

Name: Taurus Risk Management & Corporate Services
Brand: Taurus Risk
Rating: 5 (25 reviews)

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Residential Real Estate

Specialist residential property insurance for UK landlords, block managers, and HMO owners. Taurus arranges comprehensive landlord insurance and rental property insurance covering buildings, contents, liability, and loss of rent for your entire portfolio.

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Residential property insurance UK landlord buildings loss of rent coverage

Property Protection

Property Coverage

Property Types We Cover

We provide specialised insurance coverage for a wide range of residential real estate properties with comprehensive protection designed for each asset type.

Single Family Homes

Buy-to-Let Properties

Blocks of Flats

HMOs (Houses in Multiple Occupation)

Student Accommodations

Holiday Lets

Serviced Apartments

Residential Portfolios

Insurance Products

Key Insurance Products

Essential insurance coverage to protect your residential real estate investments and operations with comprehensive protection designed for modern property portfolios.

Property Owners Insurance

Comprehensive coverage for residential property owners including buildings, contents, and essential protection for your investment.

Property Owners Liability

Protection against claims from third parties for injury or property damage occurring on your residential premises.

Loss of Rent

Coverage for rental income lost due to property damage, ensuring continued cash flow during repairs and restoration.

Legal Expenses

Coverage for legal costs arising from property disputes, tenant issues, and regulatory compliance matters.

Landlord Contents

Protection for furnishings, fixtures, and contents you provide within your rental properties.

Terrorism Insurance

Specialized coverage protecting against damage and business interruption caused by terrorist activities.

Engineering Insurance

Coverage for mechanical and electrical equipment breakdown, including lifts, boilers, and heating systems.

Management Liability

Protection for property managers and directors against personal liability claims arising from management decisions.

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Our specialist residential real estate insurance team understands the unique challenges facing UK landlords and property investors. Get a tailored quote today.

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27 Reviews

5 Rating

27 Reviews

Camilla

Verified Customer

Chris was a pleasure to deal with. He was very responsive, provided an excellent service and was professional. I would recommend Taurus who are reliable and efficient, and get you the best deal.

Raj

Verified Customer

Very professional took time to listen and set my cover accordingly pleaseure to deal with. Thank you!

Imran

Verified Customer

I found Taurus online last year and this is my second year I am using Taurus for my Insurance renewal. Chris and Billy have both been very good to me and our relationship is not just about me asking for a insurance policy but we have a general chat which makes a huge difference when deciding should I shop around or actually Taurus take care of me so why should I have to look elsewhere. The pricing is competitive and I receive good advice. I am happy I have found an excellent organisation

Sairah

Verified Customer

Had a very competitive quote from Chris Foster - multi property, including rent cover. Gone ahead with the policy, and hope the underwriters will be a good solution, should anything occur.

Jonathon

Verified Customer

Tom and Billy of Taurus Risk Management provide a highly personalised and commercially focused service. They take the time to ensure that clients fully understand their insurance policies and that cover arrangements are aligned with their specific requirements. Their approach is centred on understanding each client's budget, objectives, and any operational constraints, enabling them to source the most suitable and competitive insurance solutions available. Combined with their professional, approachable, and responsive manner, they instil confidence throughout the process and make it clear that you are working with a trusted and knowledgeable team. I would have no hesitation in recommending Taurus Risk Management to individuals and businesses seeking expert insurance advice and exceptional client service.

Suzie

Verified Customer

Quick and easy process, Chris was very helpful in ensuring we get the right cover for a reasonable price. Would highly recommend.

Clare

Verified Customer

Chris helped me secure buildings insurance for a group of 6 residential buildings - a mix HMO and flats, he obtained several quotes for me to consider and the price was very competitive. The service was brilliant and I would definitely use Taurus risk management again.

Alexandra

Verified Customer

I recently purchased house and travel insurance through Taurus Risk and had an excellent experience. From the initial communication to their prompt and efficient responses, the team demonstrated a high level of professionalism throughout. They addressed all of my questions quickly and provided clear, valuable advice. I would highly recommend Taurus Risk to anyone seeking a reliable and knowledgeable insurance broker.

Warren

Verified Customer

It was an absolute pleasure working with Taurus. From the beginning it felt like the team had a genuine interest in my priorities and what was most important. Looking forward to our partnership together.

Meg

Verified Customer

Team Taurus did a great job - providing fantastic client service. We are very happy with our insurance coverage.

Henry

Verified Customer

I have worked with Taurus and Tom over the last two years and always found them to provide an excellent service. They provide competitive quotes whilst always ensuring the optimal cover for each client. I would not hesitate in recommending them to our clients.

Alex

Verified Customer

Great customer service and response times, with a very knowledgeable team. I would highly recommend Taurus

Jolyon

Verified Customer

Competitive, fast respone(s), with excellent service levels and most importantly a broad understanding of our various insurance needs as a compay - we started with one of our polcies and we are now moving everything to Taurus RM. - Investeq Limited

Tim

Verified Customer

Excellent bunch. Responded very quickly when asked and very good quote for policy. Would definitely recommend.

Max

Verified Customer

Fast and professional service. We have switched all of our insurance needs to Taurus Risk Management.

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