Award Winning Landlord Insurance - Direct Line For Business

We're proud of our What Mortgage award and customer reviews for landlord insurance.

Voted Best Landlord Insurance Provider at the What Mortgage Awards 2013 - 2023.
Add up to 15 properties on one policy, with one renewal date.
Your own specialist claims handler, who'll deal with your claim from start to finish.
Legal documents service, business guides and 24/7 legal advice helpline as standard via DAS Businesslaw. For niche legal advice and some jurisdictions, the 24/7 helpline will refer you to specialist advisers, available Mon-Fri, 9am-5pm, excl. bank holidays.
Buildings, Contents and Fixtures and Fittings cover available.
Our Landlord Emergency claims line is open 24/7, so we can send help when you need it. Landlord Emergency can only be added at new business and renewal for an additional premium. Extreme weather conditions may extend response time. Residential properties only. Only insured emergencies are covered. Underwritten by U K Insurance Limited.

What is landlord insurance?

Landlord insurance covers the risks you face when letting or leasing a property. If the building or the contents inside are damaged, or you get into a dispute with your tenants, you could incur some hefty and unexpected costs.

Our landlord insurance is designed to keep your investments safe and will help get your property back up and running, should something go wrong.

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What does landlord insurance cover?

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.

Standard cover

The following cover types are included in our landlord insurance, as standard:

Buildings Insurance, including Boiler Cover*
New-for-old Contents Insurance, including Replacement Locks Cover*
Public Liability cover of £2m, with the option to increase
Glass and Sanitary Ware
Floor Coverings (up to £5k, with an option to increase)
Alternative Accommodation
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.

Fixtures and Fittings Cover
Are you a leasehold landlord of a flat? This covers you for damage to permanent internal fixtures that are not insured under the block of flat insurance policy covering the buildings.

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Optional cover

For an additional premium, you can add any of these covers to your landlord insurance policy:

Landlord Emergency - if there's an insured emergency at your rented property, we'll send out a contractor to deal with the problem.
Legal Expenses - covers the cost of defending your legal rights. Includes Repossession Cover, Nuisance and Eviction of Squatters Cover, and Tax Protection.
Rent Guarantee - As part of Legal Expenses, add Rent Guarantee to cover unpaid rent if your tenant or ex-tenant is still in your residential property.
Loss of Rent - this covers lost income if your property becomes uninhabitable following an insured event, such as a fire or a flood.
Accidental Damage for buildings and/or contents when you've insured them.
Employers' Liability - this covers you if an employee makes a claim against you for a work-related injury.
Theft by Tenant Cover.
Malicious Damage by Tenants.
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.

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Other benefits

If you take out a policy with us, you can also take advantage of the following benefits:

0% interest if you pay by instalments in the first year
Subject to eligibility, over 18's only.
No admin fees if you make changes or add further properties to your policy.
Add up to 15 properties on one policy, with one renewal date.
Legal documents service, business guides and 24/7 legal advice helpline as standard via DAS Businesslaw.
For niche legal advice and some jurisdictions, the 24/7 helpline will refer you to specialist advisers, available Mon-Fri, 9am-5pm, excl. bank holidays.
Access to your own specialist claims handler should the worst happen.

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Do I need landlord insurance?

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.

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Important information about your landlord insurance policy

Assumptions

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:

have ever had a proposal for insurance declined or special conditions imposed by any Insurer
have ever been convicted of or charged (but not yet tried) with a breach of any health and safety legislation, or any other criminal offence other than parking or speeding offences or offences which are spent under the Rehabilitation of Offenders Act 1974
have been the subject of a County Court Judgement and/or ever been cited in any unsatisfied court judgements (or the Scottish equivalent) within the last 5 years
have been subject to bankruptcy or insolvency orders which are either outstanding or have been discharged for less than 5 years

You/Your business:

comply with all of your legal obligations as a landlord

Important statements about your Property/Properties:

Your property/properties:

are built solely of bricks, stones or concrete and roofed solely of slates, tiles, asphalts, concrete, metal or other incombustible materials other than flat roofs
are secure, watertight and maintained in a good state of repair and will be maintained
are not Grade 1 Listed in England and Wales, Category A in Scotland, Grade A in Northern Ireland, or the equivalent within the Channel Islands and Isle of Man
are not sub-let
are not occupied as halfway houses or bedsits
are not let to housing associations, Local Authorities or to asylum seekers

Important statements about your tenants:

only those individuals who have signed the tenancy agreement with you shall permanently reside at the property unless they are:
- members of the same family
- the partner of the tenant
- individuals under the age of 18 for whom the tenant is the legal guardian
at least one of the individuals who have signed the tenancy agreement must be employed (or have been in the last 6 months), in full time education (or have been in the last 6 months), retired, in receipt of carers allowance or disability benefit at the point of signing the tenancy agreement

Landlord insurance policy documents

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 log into My 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.

Landlord insurance policy Landlord insurance policy summary