New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Doesn't apply when Rent Guarantee or Landlord Emergency Cover is added. Terms & Conditions.
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Landlord insurance covers the risks you face when letting or leasing a property that standard home insurance may not cover, also known as buy to let insurance, it covers you for damage to the buildings or to your contents against a range of perils such as flood, fire, burst pipes or storm. You can also choose from several optional covers like accidental damage, loss of rent, landlord emergency and legal expenses cover which covers the costs and expenses in dealing with a range of legal matters such as contract disputes, tax and VAT investigations, repossession and eviction of squatters.
Our landlord Insurance offers high levels of standard cover, plus options to increase limits and extend your cover if you need to. You also have the flexibility to lower your excess for a higher premium, or increase your excess for a lower premium, whatever works for you.
The following cover types are included in our landlord insurance, as standard:
We'll pay to re-house your tenants following an insured event such as a flood or fire, subject to policy limits.
*Either buildings OR contents is standard, not both.
For an additional premium, you can add any of these covers to your landlord insurance policy:
You can extend your policy to help protect your rental property against damage caused by acts of terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents and/or loss of rental income. Acts of terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.
Terrorism cover is not available for properties that are located in the Channel Islands, Isle of Man or Northern Ireland.
Terrorism insurance is an optional cover so an additional premium will apply.
You can include Terrorism cover to your policy by either processing this online or calling us on 0345 301 5066 when you take out your policy with us or at renewal as it cannot be added to your policy mid-term.
If you take out a policy with us, you can also take advantage of the following benefits:
Your home insurance policy is unlikely to cover activity in your rented property. So, if you want to safeguard your income, it's important to obtain specialist landlord insurance.
Although landlord insurance isn't a legal obligation, most buy-to-let mortgage lenders will require you to take out insurance before your tenants move in.
Saving you time with your quote
Please ensure that the information provided by you is correct, and you comply with the statements on this page. If your circumstances change between the date you purchase the policy and the policy start date, please call us. Failure to do so may mean that your insurance policy is not valid or that we may not pay all or part of your claim(s).
We don't charge administration fees for mid-term changes to your policy.
If you decide to cancel your policy during the period of insurance an administration fee for cancellation will apply amounting to 1/12th of your annual premium, up to a maximum of £50.00 (calculated at the time of cancellation, plus current rate of Insurance Premium Tax where applicable).
The below statements are what you need to agree with for us to be able to offer you this insurance policy.
Neither You, nor Your Directors nor Your Business partners:
Important statements about your Property/Properties:
Important statements about your tenants:
When you get a quote, we'll send you a personalised policy document that shows the cover you've chosen.
To make sure you download the right policy, when did you buy or renew your policy?
The type of landlord insurance that you need will differ depending on your requirements. There are three key cover levels of landlord insurance - Buildings, Contents and Leaseholders Fixtures & Fittings. Buildings Insurance provides cover for damage to, or loss of, the property's structure. Contents covers damage to, or loss of, landlord's possessions left within the property, like furniture. Leaseholders Fixtures & Fittings cover covers the fixed fittings within a property, like Bathroom suites or kitchen units, where cover is excluded under the main buildings insurance policy which has been arranged such as a for a block of flats. You can combine your insurance covers like Buildings and Contents if you need to cover both the property structure and possessions in the property.
For more information please click here.
You can add extra properties to the same policy, a multi-property insurance policy could help you consolidate your renewal dates to one and give you the peace of mind that all your properties are covered, you may also be eligible for multi-property discounts.
To obtain a quote you need to enter your details, any past claims history together with the details of the property and the tenants you are renting too. Property details you would need include the rebuild value, the age and construction of the property.
In most cases, home insurance will not be sufficient to cover a rented property. This is because you are not living in the property and renting your property for an income is a business. Some of the risks you may face will be different, for instance, you could be liable if a tenant hurt themselves in your property due to the property being unsafe or your tenant might purposely damage the property.
Find out more about our multi-property insurance.
Learn more about our commercial landlord insurance.
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