CIA Landlord Insurance

CIA Landlord Insurance, a broker specialising in landlord insurance

CIA Landlord Insurance presents itself as an independent insurance broker focused on property owners who rent out properties. The firm states it has been operating for over 25 years and claims the trust of more than 140,000 property owners. According to its own figures, over the past ten years it has handled more than 1.6 million landlord policies.

Its approach is based on comparing insurers: the site states that it compares offers from nine leading companies and allows an online quote to be obtained in just a few minutes. The company maintains that it matches or beats competitors' prices, a claim that corresponds to its own commercial presentation.

Insurance products for property owners

The catalogue is organised according to the risk the owner wishes to cover. The most common type, according to the entity itself, is the combination of buildings and contents insurance, which it describes as the most complex and comprehensive.

• Buildings insurance: protects the property and its fixtures, including permanent installations such as kitchens and bathrooms, against risks such as fire, flooding and theft.
• Contents insurance: covers the landlord's personal belongings within the rented property, such as furniture, appliances and other household items, against loss, theft or damage.
• Unoccupied property cover: intended for properties left vacant for extended periods, for example during renovations or while looking for a new tenant; it covers fire, vandalism, theft and loss of rent.

In addition, the site lists other covers: insurance for flats to rent, buy to let, rental properties, motorcycles, household, listed buildings, multi-property portfolios, UK holiday homes, unoccupied properties, HMOs (houses in multiple occupation) and commercial rental, including cover for vacant commercial premises.

Tenant profiles and accepted property types

The broker states that its panel of insurers covers all types of tenants upon request, and warns that the policy must correctly reflect the tenant type to avoid being invalidated. Among the profiles it mentions are tenants on social benefits (DSS), professionals, students and asylum seekers.

As for properties, in addition to conventional housing, it covers listed buildings, portfolios with multiple properties, UK holiday homes, unoccupied properties and HMOs.

Policy conditions and management

The site details some common contracting conditions. Most insurers require a direct tenancy agreement with a minimum term of six months. It also notes that some policies allow properties to be added mid-term, with pro-rata calculation, provided the client informs them when taking out the first policy. Regarding the start date, it indicates that cover is usually offered from the exchange of contracts, although it refers to the solicitor to set the exact date.

For leaseholders, the company explains that the lease agreement may require them to insure the building, in which case it offers a quote, or they can insure at least the contents and fixtures; this option is not available for online quotation.

The entity also offers multi-property discounts and portfolio policies through some of its insurers, and publishes the claims phone numbers of each company it works with, including Geo Underwriting, Pen Underwriting, Keystone, Modus, Axa Let, Abacus, Optima and Arkel.

Customer service and reviews

The firm describes itself as an independent broker with a personalised service and its own customer support, and its website shows an "Excellent" rating on Trustpilot. It serves both first-time landlords and established letting agencies and buy-to-let portfolio holders. The site includes customer testimonials highlighting the speed of response, clarity of explanations and competitiveness of renewals.

The catalogue showed an average annual premium of £143.68 for the 10% of new customers between 1 July and 31 December 2025, equivalent to £11.97 per month, with the warning that instalment payments carry 10% interest and raise the monthly cost to £13.17.

Location and contact

Phone: 01788 818 670 · Email: info@cia-insurance.co.uk · Hours: Monday to Friday from 09:00 to 19:00