We guarantee to beat any quote for the same cover

For landlords who just need to insure the building.

New customers only. Qualifying criteria apply. Terms and conditions apply.

Buildings Insurance for Landlords

We offer both buildings and contents insurance for landlords and buy-to-let owners. In fact, more than 250,000 customers have taken out our Landlord Insurance.

But if, for example, you're renting out an unfurnished property without contents or free-standing white goods, you may be interested in landlord building insurance only.

Our Landlord Buildings policy covers:

  • Structural damage to the building – such as collapsed walls caused by flood, a roof damaged by a storm, or blown out windows due to a fire.
  • Damage caused by escape of water – including burst pipes, leaking water tanks, or escape of oil from any oil-fired heating installation
  • Boiler Cover – so if your boiler breaks down and it isn't due to normal wear and tear, we'll pay to repair or replace it
  • Pays to rehouse tenants if the property isn't fit to live in due to an insured event – such as flood or fire, up to the building sum insured

The policy also includes public liability, so if you're sued for damage to someone else's property, or injury to your tenants, you're covered. For example, if a burst pipe in your property causes a flood in your neighbour's property, or if your tenants trips over an uneven patio stone, you'll be insured for the legal costs. It also covers any compensation awarded.

As an optional benefit you can also insure your building against subsidence, so you're covered for damage to your property due to landslip or movement of the ground beneath the building's foundations.

Landlord Buildings Insurance from Direct Line for Business gives you the choice to increase limits and extend your cover for an additional premium. Remember that home insurance isn’t designed for rental properties – you need landlords buildings insurance.

Our specialist claims handlers have helped thousands of landlords get their rental properties back in order, so they and their tenants can get on with their lives. If you make a claim, we’ll give you a dedicated claims handler to look after your claim from start to finish, so it'll get sorted with as little fuss as possible.

Plus, our flexible cover also allows you to add properties to an existing policy at any time, giving you one simple renewal date. We also won't charge you any mid-term adjustment (MTA) fees for changing your policy, such as adding a property to it.

Check out our Landlord Buildings Insurance

  • Public Liability cover up to £2m in case a claim is made against you.

    Click for details on why all landlords need public liability cover
  • We’ll pay to either repair or replace your boiler if it breaks down. (With Buildings cover, excludes wear and tear.)
  • Alternative Accommodation – we’ll pay to re-house your tenants following an insured event such as a flood or fire. (subject to policy limits)
  • Glass replacement following breakage
  • Locks replacement up to £15,000 per claim
  • Access to our free 24/7 legal helpline
  • Access to your own specialist claims handler should the worst happen
  • 0% interest if you wish to pay by instalments in the first year to help spread the cost.
    (0% APR representative, subject to eligibility, for new customers only in their first year 18s and over).

Optional extras

  • Landlord Emergency – 24-hour access to assistance in the event of an insured emergency at your rented property.
  • 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.
  • Accidental Damage for the building when you've insured it
  • We'll pay for Loss of rent if your property becomes uninhabitable following an insured event such as a fire or a flood
  • Malicious Damage by Tenants cover
  • Theft by Tenant cover
  • 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.

Are you a private individual or a business?

You can obtain Terrorism cover if you are a private individual but the eligibility criteria is different to that of a business whether that is a Ltd company, Sole Trader or partnership.

Terrorism cover is not designed to pick up Household risks where the property is solely occupied as your private residence and is restricted to contracts of general insurance not usually insured in the name of an individual.

Are you eligible for Terrorism cover?

The clearest indicator is that you are a sole trader (and not an individual) or business partnership is that you are registered with HMRC (Her Majesty's Revenue and Customs) and that you declare the income generated from the business.

If the rented property is solely commercial use then the policy can be arranged in an individual's name.

If the property is of mixed use (commercial and residential) or solely residential and is insured in an individual's name it may be eligible if it meets the specific criteria.

A Private Individual can be eligible for cover if the commercially occupied or commercially used proportion of the property exceeds 20%. Whilst this would generally be decided by the square footage of the property, for risks like Holiday Homes, it could qualify if it is let or available to be let on a commercial basis to the public for at least 20% of the time i.e. more than 73 days in any annual period.

So unless you are recognised as a sole trader, it is important to know whether it was an active decision to become a landlord and receive an income or whether you may have become an accidental landlord (as per the examples below).

  • Renting out your property as you are going travelling or working overseas and do not want to sell it
  • Inheriting a property and deciding to rent it out
  • You move to a new property but not selling your old home or moving in with a partner and not selling either of your old homes

This same approach will apply to determine whether two or more individuals setting up a partnership are doing so for the purpose of a business and so are eligible for Terrorism cover or not.

Landlord Knowledge Centre