You can insure up to 15 residential properties. This excludes optional add-ons. Minimum premiums apply. Discount(s) will be applied automatically.
Whether you're facing a legal problem or just want to check something with a solicitor, you'll get access to a team of experts 24 hours a day, 7 days a week, as standard.
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Landlord insurance covers the risks you face when letting or leasing a property that standard building and contents 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 unexpected events such as flood, fire, burst pipes, or storms.
You can also choose from several optional covers, such as accidental damage, loss of rent, landlord emergency, and legal expenses cover, which cover the costs and expenses associated with a range of legal matters, including contract disputes, tax and VAT investigations, repossession, and eviction of squatters.
Our award-winning landlord insurance offers high levels of standard cover for your building, fixtures and fittings, and contents. It also covers certain types of equipment like your boiler and heating systems with equipment breakdown cover. Plus, you have the option to increase limits and extend your cover if you need to. There's also the flexibility to lower your excess for a higher premium or increase your excess for a lower premium - whatever works for you.
What's included as standard with our landlord insurance for your buildings:
What's included as standard with our landlord insurance for your boiler:
What's not included with our landlord insurance for your boiler:
What's included as standard with our landlord insurance for your fixtures and fittings:
What's included in our landlord insurance standard cover for your contents:
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 (rebuild value) 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.
You can add Terrorism cover when you buy or renew your policy with us. This cover cannot be added to your policy mid-term.
A standard building and contents insurance policy is unlikely to cover tenant activity in your rented property. So, if you want to safeguard your income, it's important to get 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.
We also offer holiday or second home insurance if your property is rented out to paying guests or is left unoccupied for long periods of time.
When you get a quote, we'll send you a personalised policy document that shows the cover you've chosen.
These can also be found when you sign in to your account.
Here you can find examples of our latest landlord insurance documents which show the main covers we offer, plus exclusions.
To make sure you download the right document, please select the dates that cover the period you bought or renewed your policy and the latest version of the document will be displayed.
The type of landlord insurance you need will differ depending on your requirements. There are three levels of landlord insurance: buildings, contents, and leaseholders' fixtures and fittings, which cover insured events such as fire, flood, or theft.
Buildings insurance covers damage to or loss of the property's structure. Contents insurance covers damage to or loss of the landlord's possessions, like furniture, left within the property.
Leaseholders' fixtures & fittings insurance 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 for a block of flats. You can combine your insurance cover, such as buildings and contents if you need to cover both the property structure and possessions in the property.
You can add extra properties to the same policy. A multi-property insurance policy could help you consolidate your renewal dates into one and give you the peace of mind that all your properties are covered. You may also be eligible for multi-property discounts.
To get a quote, you need to enter your details and any past claims history, as well as the details of the property and the tenants you are renting to. You would need property details, including the rebuild value, age, and construction of the property.
Home insurance will not usually be sufficient to cover a rented property. This is because you are not living in the property and renting it for an income as a business. Some of the risks you may face will be different. For instance, you could be liable if a tenant hurts themselves in your property due to the property being unsafe, or your tenant might purposely damage the property.
It is not a legal requirement to have landlord insurance in the UK. However, it is highly recommended if you want to protect your property and finances. Some mortgage lenders may require landlords to have landlord insurance to come to a mortgage agreement.
If you can't see what you're looking for, go to our full list of Landlord FAQs.
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Read property expert's Kate Faulkner's explantion of the landlord's fire safety regulations.
