Normal home insurance isn't designed for landlords and their rental properties so may not pay for claims such as burst water pipes or accidental damage caused by tenants.
Landlord insurance from Direct Line costs less than you might think. Especially as we:
Direct Line landlord insurance is different to normal home insurance
Normal home insurance isn't designed for rental properties. Which means YOU could end up spending money putting things right if something goes wrong.
To ensure you are fully protected, it is recommended that you purchase landlord insurance, which provides the right protection and additional cover you need as standard.
Public liability - Protection in the event your tenant claims against you for an injury, and you are found to be legally liable. Public liability insurance will cover costs associated with legal action
Contents only cover for landlords with leasehold properties, such as flats, where the buildings insurance may already be arranged by a freehold management company
Alternative accommodation costs following an insured event, for example a flood or fire (up to 20% of the rebuild value of your property)
Glass and locks replacement
Accidental damage to your property
As well as increasing many of the above limits you can extend cover to include:
Landlords' contents insurance, including those contained within communal areas
Loss of rent following an insured event
Employers' liability - protection in the event an employee claims against you for an injury caused in the course of their employment
For more information on landlord insurance and important differences between a normal home policy and landlord insurance call our expert team on 0845 303 1763
It's your responsibility to make sure that your tenants are as safe as possible when they're at one of your rental properties.
Accidents can happen and that's where having public liability insurance comes in. As a landlord it protects you against claims made by tenants for damage to their property or personal injury arising from incidents connected with your rental property.
If one of your tenants makes a claim against you, and you are found to be legally liable. Public liability insurance will cover the following costs associated with legal action:
Helping you buy the correct landlord insurance with our quick & easy process
If you rent out property for commercial use or you are a landlord with a mixed portfolio of commercial and residential properties, please see our Commercial Landlord product.
In order to make your Landlord Insurance quote process more straight forward, please have the following to hand:
Your properties' rebuild values
Details of any loss, damage, injury or disability during the past 3 years in connection with the property you wish to insure
Please also read the Assumptions page to find out more about the important statements you need to comply with.
Our quick and easy Landlord Insurance quote process consists of 2 stages:
Stage 1 - Your property details: Basic questions about you/ your property
Stage 2 - Your quote: A standard quote with options to increase some cover levels or add additional covers to suit your individual needs
From here you can proceed to review your quote summary and buy your policy - either by paying monthly or annually - it's that easy!
For more information about our Landlord Insurance, please visit the Summary of Cover page, or for full details read the policy booklet.
We understand you have unique landlord insurance requirements
Letting a residential property presents its own unique set of challenges and our insurance is designed to reflect that. Whether you are covering the building or the belongings within, as a residential landlord or buy-to-let owner you'll be concerned with getting the right cover for your property or portfolio. That's why we ensure our standard policy includes the essentials (buildings and property owners liability insurance), with the option to increase cover limits or add on cover to suit your individual needs.
If your property holdings change, perhaps through the purchase or sale of a property, or a refurbishment, let us know and we'll adapt the quote to your needs, saving you money wherever we can.