New policies 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.
Buy-to-let insurance covers your legal liabilities and protects your investment from the risks you face when letting or leasing a property that standard home insurance may not cover.
Our insurance is designed specifically for buy-to-let owners, with more than 250,000 landlords choosing to insure their property investment with us.
When you've bought a property as an investment, the last thing you want to do is shell out for unexpected costs. Our buy-to-let insurance provides customised cover for landlords and can help to make sure your investment properties continue to provide rental income even if the unexpected happens.
Our alternative accommodation cover pays for the alternative accommodation costs, but your tenants may not be able to continue to pay the rent or all the rent if it costs them more to get to work. If the alternative accommodation is far away, consider reducing their rent so they can cover the extra travel costs. If you don't, your tenants may terminate the agreement and look for an alternative property.
The optional cover of Loss of Rent covers lost income if your property becomes uninhabitable following an insured event, such as a fire or flood, and your tenants have to move out.
If a piece of stair carpet came loose and one of your tenants slipped and injured themselves, you could be sued. The same could happen if a tile fell off the roof of your property and damaged the neighbour's car. Our insurance provides up to £2m of public liability cover so you're insured if they decide to make a claim against you for any injury or damage to their property.
And with our buildings cover, which comes as part of our buy-to-let buildings insurance, if your rental property's boiler breaks down - and it isn't due to wear and tear - we'll make sure you're not paying a hefty, unexpected bill to repair or replace it.
Landlord buy-to-let insurance covers you for property owner's liability and damage to the buildings or to your contents against a range of risks such as flood, fire, burst pipes or storm.
Our buy-to-let insurance offers high levels of standard cover, options to increase limits, and extend your cover if you need to. You can also add properties to an existing policy any time, giving you one renewal date. You won't be charged any administration fees for making changes to your policy mid-term or renewal, such as adding or removing a property. Additional or return premiums may apply depending on the changes you make.
Remember that home insurance won't insure you against many of the risks of a buy-to-let property, so you'll need specialist insurance to make sure you're covered.
The following cover types are included in our buy-to-let landlord insurance, as standard:
For an additional premium, you can add any of these covers to your buy-to-let landlord insurance policy:
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.
There's no legal obligation, but most buy-to-let mortgage lenders will require you to have the appropriate insurance in place. Having buy-to-let buildings insurance can help cover your property investments, which could save you from eating into your profits should things go wrong.
Find out if you need a landlord insurance policy and get the answers to common questions.
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Discover our useful guide, which will help you protect your buy-to-let property, giving you and your tenants peace of mind.
