Renting to students can be rewarding, but it also comes with its own set of risks, from higher tenant turnover to and the occasional party-related mishap. Standard landlord insurance isn’t always enough.
At The Yorkshire Broker, we arrange tailored Student Let Property Insurance that protects your property, income, and liability, giving you peace of mind while your tenants focus on their studies.
Student Let Property Insurance is a specialist type of landlord insurance designed for properties rented out to students, whether it’s a shared house, HMO, or purpose-built student accommodation.
It covers your property against the unique risks associated with student tenancies, such as accidental or malicious damage, fire, theft, and loss of rent, ensuring your investment is protected throughout the academic year.
You’ll need this cover if you:
Whether you have one student house or several, we can arrange a policy tailored to your setup.
Your student let insurance can be tailored to include:
Protects the structure of your property, including walls, roof, floors, and fixtures — against damage caused by fire, flood, storm, vandalism, or escape of water.
Covers furniture, appliances, and fittings you provide for tenants, such as beds, desks, or white goods, against damage, theft, or accidental loss.
Covers loss of rental income if your property becomes uninhabitable after an insured event, such as a fire or flood. It can also cover rehousing costs for tenants if required.
Protects you if a tenant, visitor, or contractor is injured on your property or their possessions are damaged and you’re found legally responsible.
Covers damage caused accidentally, or deliberately, by student tenants.
Provides protection if your property is empty between academic terms or during the summer break.
Depending on your setup, you can also include:
cover multiple student properties under one plan
protects against unpaid rent
Covers the cost of pursuing rent arrears, eviction proceedings, or defending your rights as a landlord.
Optional 24-hour assistance for urgent issues such as burst pipes, boiler failure, or broken locks.
for HMOs requiring local authority licences
for properties with shared entrances or commercial ground floors
If you rent to students, choosing the right policy ensures you’re fully covered and not left exposed in the event of a claim.
While standard landlord insurance offers good protection for single-family homes, it often won’t cover student lets or HMOs. Here’s how specialist student let cover differs:
| Feature | Standard Landlord Insurance | Student Let Property Insurance |
|---|---|---|
| Tenant Type | Single households or families | Multiple unrelated tenants (students) |
| Policy Acceptance | May exclude student tenants | Specifically designed for student occupancy |
| Accidental/Malicious Damage | Often limited | Broader protection for tenant-related damage |
| Tenant Turnover | Lower, long-term tenants | Higher turnover and shorter-term lets |
| Unoccupied Periods | May have limits | Covers summer or term breaks |
| Liability Cover | Basic property owners’ cover | Extended liability for shared areas and multiple occupants |
| Rent Guarantee Option | Available on request | Often recommended due to shared tenancies |
Student properties are often at greater risk of:
Having the right cover in place protects you from unexpected costs and ensures your property continues to generate income throughout the year.
We take the time to understand your portfolio and arrange cover that works for your specific needs, so you can rent confidently to students.
From single student houses to large HMO portfolios, The Yorkshire Broker can help you find the right protection at a competitive price.
Call us today on 01924 929070 to discuss Student Let Property Insurance and get a tailored quote for your property.
Speak to a member of our dedicated team
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