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For landlords who just need to insure the building.

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

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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.
  • 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
  • Two levels of Landlord Legal Expenses cover

Landlord Knowledge Centre