Just Landlords

Just Landlords operates as a specialist provider of property insurance within the United Kingdom, primarily serving the needs of landlords. The company is a trading name of Arthur J. Gallagher Insurance Brokers Limited and functions as part of Gallagher, a global insurance brokerage, risk management, and consulting firm. Gallagher was established in Chicago in 1927 by Arthur J.

Gallagher and has since expanded its operations internationally, employing over 70,000 individuals worldwide. The firm has been providing property insurance since 1998, accumulating over 25 years of experience in the sector. In 2019, Just Landlords became part of the Arthur J. Gallagher & Co.

Group of companies. The company's operations are based in Nottingham, located in the East Midlands of the UK, where it maintains an in-house team comprising customer service, claims, and underwriting specialists. Just Landlords offers a range of insurance products designed for various property types and landlord requirements. These offerings include landlord insurance, Airbnb property insurance, buy-to-let insurance, multiple property insurance, second home insurance, unoccupied property insurance, and UK holiday home insurance.

Additionally, the company provides rent guarantee insurance as a separate product. The landlord insurance policies include 40 covers as standard, addressing risks such as malicious damage by tenants, accidental damage to buildings or contents, landlord liability, and loss of rental income. The company's landlord insurance extends coverage to various types of residential properties, including Houses in Multiple Occupation (HMOs), shared accommodation, and student accommodation. This focus on diverse residential property types demonstrates the firm's experience in insuring properties that align with the Private Rented Sector (PRS) and Purpose-Built Student Accommodation (PBSA markets.

The policies are structured to provide protection for buildings let to residential tenants and can cover alternative accommodation needs if a property becomes uninhabitable due to an insured event. Just Landlords collaborates with several insurers to deliver its services. It works with Tokio Marine HCC for policies covering tenanted properties, holiday homes, second homes, and unoccupied homes. For legal expenses and rent guarantee insurance, the company partners with Legal Insurance Management Ltd and Royal & Sun Alliance Insurance plc.

The firm maintains a dedicated UK-based customer service team, which is available to assist clients via phone, LiveChat, or email. The company has garnered positive feedback from its customer base. As of September 2025, Just Landlords holds an 'Excellent' rating on Trustpilot, based on over 1,000 reviews. More than 10,000 property owners reportedly trust the company with their insurance needs.

The firm states its commitment to developing and adapting its products in collaboration with underwriters to meet customer requirements.