Protect My Let

Protect My Let operates as a specialist provider of landlord insurance, assisting property owners in securing coverage for their rental properties. The firm has been active in the market since 2004, focusing on delivering insurance solutions tailored to the specific requirements of landlords. As a trading name of Howden UK Brokers Limited, Protect My Let is part of a larger insurance group, leveraging this affiliation to offer comprehensive services. The company's core mission revolves around finding appropriate landlord insurance that aligns with individual needs, rather than offering generic, pre-packaged solutions.

The company distinguishes its service through a personal and direct approach, prioritising conversations with real people over automated systems or chatbots. This methodology aims to provide down-to-earth advice and straightforward solutions for landlords seeking buildings, contents, and liability insurance. Protect My Let works to secure exclusive deals and policies that extend beyond standard market offerings. For instance, the firm typically includes £25,000 of contents cover as standard and automatically incorporates protection against accidental and malicious damage caused by tenants.

The company is equipped to handle policies for multiple properties, acknowledging that landlords often manage diverse portfolios. Protect My Let's insurance offerings are designed to safeguard various aspects of a rental property investment. Policies typically provide protection for the building structure against perils such as storms, floods, and fires. Contents insurance is also available to cover furnishings, which is particularly relevant for fully furnished rental units.

Furthermore, the coverage extends to liability insurance, which protects landlords against claims arising from damage or injury sustained by tenants or visitors due to property defects. Additional components of their comprehensive protection can include legal expenses, rent guarantee, and loss of rent coverage. Recognising the distinct challenges associated with different tenant types, Protect My Let offers specialised insurance products, including student landlord insurance and HMO insurance. The firm acknowledges that letting to students involves unique risks such as higher tenant turnover, potential for increased wear and tear, and seasonal void periods.

To address these, the company provides tailored policies that cover specific issues related to student lets, including protection for properties that may be empty or partly empty during academic holidays. This specialist coverage ensures landlords renting to students have appropriate protection against potential damages, burglaries, flooding, and other incidents common in student-occupied properties. The firm's operational philosophy is rooted in providing a dedicated and knowledgeable service. The team comprises experienced professionals who understand the intricacies of the landlord insurance sector.

Protect My Let is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 307663. The company is registered in England and Wales under company registration number 02831010, with its registered office located at One Creechurch Place, London, EC3A 5AF. While Protect My Let focuses on multi-property and more complex landlord insurance needs, it also collaborates with Endsleigh, another part of Howden, to provide solutions for landlords with single rental properties.