As of 13 August 2026, AI can only partly find landlord insurance for your property.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 1 hour until you can act on the result.

   How to actually do it

   1. Gather the property address or postcode, property type, bedrooms, construction details, tenancy type, furnished status, mortgage or lease restrictions, estimated rebuild and contents values, security features, claims history and any periods of vacancy.
   2. Paste those facts into the prompt and ask the chatbot to produce a quote brief, a list of missing information and questions that need confirmation from an insurer or regulated insurance broker.
   3. Open current UK insurer or broker quote pages and enter the same facts into each quote request without guessing an answer; save the premium, excesses, cover limits, assumptions and quote expiry information.
   4. Paste the redacted quote summaries and relevant policy wording into the chatbot, then ask it to put buildings, contents, liability, rent guarantee, legal expenses, unoccupied-property and accidental-damage terms into a comparison table.
   5. Compare every chatbot summary against the original insurer documents, checking exclusions, conditions, excesses, vacancy rules, tenant restrictions, claim limits and disclosure questions rather than relying on the summary.
   6. Ask the insurer or a regulated insurance broker to confirm in writing that the proposed policy reflects the property's actual use and risks, then correct any application answers before sending it.
   7. Save the completed application, quote, policy schedule and wording, and only pay for the policy after checking the named insured, property details, start date, limits, exclusions and excesses.

   Prompt

   Help me prepare to find UK landlord insurance for this property. Do not recommend a policy as suitable unless the insurer or a regulated insurance broker confirms it. Do not invent facts, prices, insurers, policy features or legal requirements. First list the information I need to gather, then turn it into a concise quote brief and a comparison checklist. Flag anything that needs confirmation from an insurer or broker. Explain plain-English differences between buildings, contents, landlord liability, rent guarantee, legal expenses, unoccupied-property and accidental-damage cover, but do not say which cover I need without stating the uncertainty. My details are:
   
   Property type: [terraced house, flat, HMO, maisonette or other]
   Location: [town or postcode district, not the full address]
   Number of bedrooms: [number]
   Number of tenants or occupants: [number and relationship, if relevant]
   Tenancy type and term: [details]
   Furnished or unfurnished: [details]
   Estimated rebuild value: [amount or unknown]
   Estimated contents value: [amount or none]
   Mortgage or lease restrictions: [details or unknown]
   Property use and any business use: [details]
   Security features: [details]
   Previous claims or losses: [details or none known]
   Periods when the property may be empty: [details]
   Any unusual construction, renovations or risks: [details or unknown]
   
   At the end, give me questions to ask each insurer or broker before buying. Remind me that this is not professional advice and that I must check the final proposal and policy wording.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.