Total Landlord Insurance
Total Landlord Insurance is a UK specialist insurance broker offering Essential and Premier landlord insurance policies with add-ons including pet damage protection, serving private, portfolio, HMO, expat, and commercial landlords since 1996 as a trading name of HFIS Ltd.
- Company typePrivate
- Founded1996
- HeadquartersLondon, United Kingdom
- Headcount—
- GTM typeB2C
- OfferingServices
What Total Landlord Insurance does
Total Landlord Insurance is a UK specialist insurance broker focused exclusively on landlord and rental property cover. Founded in 1996 as Hamilton Fraser Insurance Services, it operates as a trading name of HFIS Ltd (registered in England, company number 3252806), authorised and regulated by the Financial Conduct Authority. The company serves private landlords, portfolio landlords, HMO/student landlords, expat landlords, commercial landlords, and homeowners through two core policy tiers — Essential and Premier — priced from £139 annually, plus optional add-ons covering legal expenses, rent protection, and (launched in 2024) pet damage protection at £134.40 per premises. It holds NRLA recommended insurance partner status and has won the Insurance Choice Awards "Best Landlord Insurance Provider" seven times between 2017 and 2024.
The business distributes through a self-service online quoting platform (landlordquote.totallandlordinsurance.co.uk) built on the Instanda insurance software platform, supplemented by phone sales, live chat, and a channel network of 40+ letting agents, landlord associations, and affiliate organisations including Belvoir. Marketing is driven by an extensive Knowledge Centre of SEO-optimised content covering landlord legislation (including the Renters' Rights Act), property management, and insurance guides, alongside an active presence on Facebook, X, LinkedIn, and YouTube. Certifications include ISO 27001, Cyber Essentials, Investors in People (held since 2010), and Investors in Customers "Outstanding".
Total Landlord is part of the HFIS group alongside mydeposits (government-authorised deposit protection), Property Redress Scheme, Client Money Protect, Landlord Action, and the Total Property platform launched in 2024 to consolidate the group's property services under one brand. The company is a subsidiary of Brown & Brown, Inc. (NYSE: BRO), one of the world's largest insurance brokers with over 14,000 professionals globally. Revenue is generated through recurring insurance premiums, though no revenue figure is publicly disclosed in the source material.
Total Landlord Insurance firmographics
Firmographics- Name
- Total Landlord Insurance
- Legal name
- HFIS Ltd
- Website
- https://totallandlordinsurance.co.uk
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Short description
- Total Landlord Insurance is a UK specialist insurance broker offering Essential and Premier landlord insurance policies with add-ons including pet damage protection, serving private, portfolio, HMO, expat, and commercial landlords since 1996 as a trading name of HFIS Ltd.
- Ownership category
- akta.pro rank
Total Landlord Insurance industry classification
Industry- Product category
- Landlord Insurance
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)
- akta.pro secondary industry
- Homeowners Insurance (FSAJACAA)
Keywords
Where Total Landlord Insurance is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Total Landlord Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Landlord Insurance Premiums: Recurring insurance premiums collected from policyholders for buildings, contents, liability, and optional add-on coverage. Policies include Essential and Premier tiers with varying coverage levels.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Essential policy - basic landlord insurance covering the essentials for rental property |
| Subscription | Annual | Premier policy - comprehensive award-winning landlord insurance |
| Unit Pricing | Annual | Pet damage protection add-on |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Total Landlord Insurance product offering
Product offeringCore offering
Total Landlord Insurance is a specialist UK insurance broker selling landlord insurance to property owners renting residential or commercial premises. It offers two core annual policy tiers (Essential and Premier) combining buildings, contents, property owners liability, and loss of rent cover, alongside specialised variants for buy-to-let, portfolio, HMO, expat, and commercial landlords, plus optional add-ons (pet damage protection, legal expenses, rent protection). Policies are priced from £139 annually and distributed via a self-serve online quote platform, telephone sales, and a partner referral network of landlord associations and letting agents.
Product overview
Total Landlord Insurance is a specialist UK landlord insurance broker offering two core policy tiers (Essential and Premier) that combine buildings and contents insurance with liability and loss-of-rent protection. The portfolio includes specialized coverage types (HMO, portfolio, expat, commercial landlord insurance) and optional add-ons including Legal Expenses, Rent Protection, and Pet Damage Protection. The company has operated since 1996 and is part of the HFIS Group under Brown & Brown.
Differentiator
Problem solved
Functional benefit
Products and services
- Essential Landlord Insurance Basic annual landlord insurance policy for individual landlords covering buildings, tenant damage, theft, and property owners liability up to £2,000,000, priced from £139.
- Premier Landlord Insurance Comprehensive annual landlord insurance policy for individual landlords offering full buildings and contents cover, accidental and malicious damage by tenants, higher liability limit, and enhanced loss-of-rent cover, priced from £139.
- Pet Damage Protection Optional annual extension providing up to £2,500 of cover for pet-related damage to buildings and contents once the tenancy deposit is exhausted, for up to three pets per property, sold to landlords renting to tenants with pets.
- Legal Expenses Insurance Optional add-on covering legal expenses incurred by landlords in disputes with tenants, including eviction proceedings and contractual disagreements.
- Rent Protection Insurance Optional add-on protecting landlords against loss of rental income when tenants fail to pay rent.
Quantifiable outcome
- 4.8/5 customer satisfaction rating
Companies that use Total Landlord Insurance
Customer profileSegments6 records
Ideal customer profiles5 records
Total Landlord Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Total Landlord Insurance partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- National Residential Landlords Association (NRLA)coreNRLA recommended insurance partner status. Total Landlord is the preferred insurance provider endorsed by the NRLA for their members, providing exclusive offers and discounts to NRLA members.
- HFIS Group (Hamilton Fraser Insurance Group)coreTotal Landlord is part of HFIS Ltd which also includes mydeposits (government authorised deposit protection), Property Redress Scheme, Client Money Protect, and Landlord Action (housing law specialist).
- mydepositscoreGovernment authorised deposit protection scheme under the HFIS group. Research indicates 35% of pet damage claims exceed deposit amounts, supporting the need for pet damage protection.
- BelvoirminorLetting agent partner accessing Total Landlord insurance products through the quote system. One of 40+ organizational partners using the OCE (Organisational Customer Engagement) partner code system.
- Various Landlord Associations (Leeds Property Association, LandlordZONE, Property Investors Network, etc.)minorNetwork of 40+ landlord associations, property networks, and industry organizations with partner access to Total Landlord insurance products through the quote system.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Total Landlord Insurance competitors and assessment
Company assessmentDirect peers
- Homeprotect: UK specialist landlord and home insurance provider; competes head-to-head with Total Landlord Insurance on specialist landlord cover including buildings, contents and property owners liability for rental properties.
- Alan Boswell Group: Independent UK insurance broker with a specialist landlord and property owner insurance offering; competes as a regional/specialist broker with a similar niche positioning to Total Landlord.
- Hiscox UK: Specialist UK insurer focused on niche commercial and personal lines including landlord insurance; competes with Total Landlord on specialist underwriting, tailored cover and broker distribution.
- Saga Home Insurance: UK specialist insurer for the over-50s, offering landlord insurance alongside home cover; competes for the segment of older portfolio landlords with multiple properties.
- Simply Business: UK insurance broker/marketplace serving small businesses and landlords, with landlord insurance among its core products; competes via aggregator-style UX and partner network rather than a specialist brand.
Broad incumbents
- Direct Line for Business: Landlord insurance arm of Direct Line Group; offers landlord cover alongside broader commercial lines and competes with Total Landlord on direct online quotes and brand recognition.
- Aviva UK: Major UK insurer with landlord insurance as part of its broader personal and commercial lines portfolio; competes on price, brand recognition and multi-product bundling.
- AXA UK: Large UK insurer offering landlord insurance within its broader home, motor and commercial portfolio; competes on multi-line bundling and direct distribution.
- Zurich UK: Global insurer with UK landlord insurance offering within its broader commercial and personal lines; competes for mid-market and commercial landlords.
- LV= (Liverpool Victoria): UK mutual insurer offering landlord insurance as part of its wider general insurance range; competes on price and direct distribution channels.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Total Landlord Insurance social profiles
Digital presenceTotal Landlord Insurance compliance and trust
Trust signalCompliance4 records
Total Landlord Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Total Landlord Insurance leadership team
Management profileNumber of profiles
Total Landlord Insurance subsidiaries and ownership
Company hierarchySubsidiaries5 records
Total Landlord Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Total Landlord Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Total Landlord Insurance
What does Total Landlord Insurance do?
Total Landlord Insurance is a specialist UK insurance broker selling landlord insurance to property owners renting residential or commercial premises. It offers two core annual policy tiers (Essential and Premier) combining buildings, contents, property owners liability, and loss of rent cover, alongside specialised variants for buy-to-let, portfolio, HMO, expat, and commercial landlords, plus optional add-ons (pet damage protection, legal expenses, rent protection). Policies are priced from £139 annually and distributed via a self-serve online quote platform, telephone sales, and a partner referral network of landlord associations and letting agents.
Is Total Landlord Insurance a public or private company?
Total Landlord Insurance is a private company. It is classified as corporate owned and is currently operating.
When was Total Landlord Insurance founded?
Total Landlord Insurance was founded in 1996.
Where is Total Landlord Insurance based?
Total Landlord Insurance is headquartered in London, United Kingdom, in the Europe region.
How does Total Landlord Insurance make money?
One revenue line is on record: landlord Insurance Premiums.
Who are Total Landlord Insurance's main competitors?
Direct peers on record are Homeprotect, Alan Boswell Group, Hiscox UK, Saga Home Insurance and Simply Business. Broad incumbents are Direct Line for Business, Aviva UK, AXA UK, Zurich UK and LV= (Liverpool Victoria).
Does Total Landlord Insurance have an API?
No public API is recorded for Total Landlord Insurance.
What industry is Total Landlord Insurance in?
Total Landlord Insurance's product category is Landlord Insurance. Its primary akta.pro industry code is FSAJACAD, Landlord / Dwelling Fire (DP) Insurance, with a secondary code of FSAJACAA, Homeowners Insurance. Its NAICS code is 524210 and its SIC code is 6411.