A plain-English look at the process — so you know what you’re buying, not just what you’re paying
If landlord insurance feels like a commodity, that’s usually a warning sign
Many landlords have been trained to think insurance is just a price comparison:
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“Is it cheaper than last year?”
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“Does it meet my lender’s requirements?”
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“Does it say buildings + liability?”
But the real value of landlord insurance often shows up after you buy it:
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When you need to change something mid-term
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When your renewal lands
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When a claim happens and the details suddenly matter
That’s why the most important question isn’t “what’s the price?” — it’s:
“What process and support am I getting behind the policy?”
Here’s what landlords actually get when they work with NetRent Insurance Services and our partner broker Clear Insurance Management Ltd — and why it’s the difference between a policy that looks fine on paper and one that performs in the real world.
1) A landlord-focused review — not a generic “tick box” quote
Landlord insurance works best when the policy reflects the real risk:
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How the property is used (standard let, HMO-style arrangements, holiday let use, etc.)
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Occupancy and tenant type
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Any ongoing works or refurbishment periods
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Property characteristics that affect claims (layout, age, construction type, etc.)
What we do differently is start with accuracy.
If you send us your current policy schedule, we can review it and highlight potential areas of concern — the sort of things that can cause friction at renewal or claim time.
This is not about “finding fault”. It’s about giving you clarity before problems surface.
2) Clear explanations — so you can make decisions confidently
Landlords often have cover they think includes something… until they need it.
We focus on explaining:
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What key covers are designed to do (e.g., loss of rent, liability, tenant damage options)
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Where misunderstandings commonly occur
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What details insurers typically want to see stated clearly in documentation
You don’t need jargon. You need confidence that your cover aligns with how you actually let your property.
3) A route to the wider market (and the ability to place the right policy)
Clear is an independent broker, which means quotes can be arranged from a range of insurers, depending on the risk.
This matters because landlord risks aren’t all the same:
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A standard single let isn’t the same as a property with frequent voids
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A flat isn’t the same as a block with communal responsibilities
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A mixed-use building isn’t the same as a straightforward residential let
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Some landlords also need help with broader risks (commercial, cyber, high-value, specialist cover)
The point isn’t “more choice” for the sake of it — it’s the ability to place cover that matches the risk, without forcing a one-size-fits-all solution.
4) Clear boundaries — what we can and cannot do (so expectations are correct)
A trusted expert is also clear about what they don’t do.
Rebuild values
Landlords (or their agent) must provide the correct rebuild value / sum insured basis.
Neither NetRent nor Clear can calculate rebuild values for you.
If you need to obtain a rebuild value, you can use the ABI/BCIS calculator or employ a professional assessment (NetRent offers access to a Rebuild Cost Assessment service). We can guide you on options, but the rebuild value must come from you or a professional you appoint.
Claims support
Clear’s in-house claims support applies only to policies arranged through Clear.
If your policy is arranged elsewhere, we can still review your documents and highlight concerns, but claims handling sits with the broker/insurer who placed the cover.
These boundaries protect you as much as they protect us — because they keep your expectations realistic.
5) A “policy health check” that protects existing customers and helps new customers switch safely
This is where the reassurance comes in.
If you already insure through NetRent
A review helps you feel confident you’re not sleepwalking into renewal with out-of-date assumptions.
We’ll highlight issues to consider before renewal pressure kicks in.
If you don’t currently insure through NetRent
A review helps you switch safely — not just for price, but for the right cover structure.
This is often the moment landlords realise:
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their documents don’t reflect reality, or
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they’re paying for something they don’t need, or
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they’re missing something they assumed was included.
The offer: Free Policy Health Check
If you want reassurance (or a second opinion), send us your policy schedule and we’ll:
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Review it for clarity and common risk gaps
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Highlight questions you should be asking before renewal
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Explain what we’d do differently if you choose to obtain quotations through us
This is not a promise of cover or a guarantee of claim outcomes.
It’s a practical review designed to help you make better decisions.
Regulatory note
NetRent Insurance Services is a trading name of NetRent Ltd. NetRent Ltd is an Appointed Representative of Clear Insurance Management Ltd, which is authorised and regulated by the Financial Conduct Authority.
This article is general information only and does not constitute advice.
Contact us
Telephone: 01352 721300
Email: insurance@netrent.co.uk
Want a Free Policy Health Check?
Email or call us and we’ll tell you exactly what to send so we can review your current documents.