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 Direct Line landlord insurance for owners of one or more buy-to-let properties

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Landlords need
specific landlord
insurance

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:

  • Beat any quote for the same cover - GUARANTEED!
    (terms and conditions apply)
  • Give you 0% interest on your monthly payments
    (Subject to status. For the first year only. 18s and over. Typical 0% APR.)

Call our UK based expert team on 0845 303 1763.

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.

Our standard landlord insurance includes:

  • A range of protection including buildings cover as well as public and property owners' liability up to £2m
  • 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

Why do you need public liability insurance?

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:

  • Loss of earnings
  • Future loss of earnings
  • Damages awarded to the claimant
  • Your legal costs in defending a claim
  • Claimants' legal costs if you are at fault

Without it you could be in for an expensive time.

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.

Getting a quote is quick and easy, just click 'Get a Landlord Insurance quote' and we'll guide you through the process.

Our landlord insurance is for landlords, buy-to-let owners or management companies who...

  • Own or manage residential properties
  • Are responsible for insuring the building or freehold or its contents
  • Offer properties with tenancy agreements of
    six months or more
  • Do not let properties to housing associations, local authorities, students or asylum seekers
  • Have no more than five residential properties to insure - If you have more than five please call 0845 303 1763

Landlord Insurance

We GUARANTEE to beat any quote
  • We'll beat any quote for the same cover - GUARANTEED
  • 0% interest on monthly payments
Get a Landlord Insurance quote (opens in a new window)

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