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.
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 perils such as flood, fire, burst pipes or storm. You can also choose from several optional covers like accidental damage, loss of rent, employers' liability, landlord emergency and legal expenses cover which covers the costs and expenses in dealing with a range of legal matters such as contract disputes, tax and VAT investigations, repossession and eviction of squatters.
Our insurance is designed specifically for buy-to-let owners, and so far more than 250,000 landlords have already insured their property investment with us.
When you've bought a property as an investment, the last thing you want to do is to have to shell out for unexpected costs. Our Buy-to-Let Insurance provides tailored cover for landlords and can help to ensure that their investment properties continue to provide rental income even if the unexpected happens.
For example, if your property is damaged by flood or fire and your tenants can no longer live in it, our Alternative Accommodation cover will pay to rehouse your tenants.
Plus, with our Buildings cover, if your rental property's boiler breaks down and it isn't due to wear and tear, we will ensure you're not paying out hefty unexpected bills to repair or replace it.
Our specialist claims handlers have helped thousands of landlords get their properties back into action quickly and efficiently. If you make a claim, we’ll allocate a dedicated claims handler to look after your claim from start to finish.
If a piece of stair carpet came loose and one of your tenants slipped and fell 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.
If the tenant makes a claim against you, and you’re found to be legally liable, our Buy-to-Let Insurance will cover you for:
Our Buy-to-Let Insurance offers high levels of standard cover, options to increase limits, and extend your cover if you need to. The flexible cover from Direct Line for Business allows you to add properties to an existing policy any time, giving you one renewal date. You also won't be charged any mid-term adjustment (MTA) fees for changing your policy, such as adding a property to it.
Remember that home insurance won't insure you against many of the risks buy-to-let properties entail, so you'll need specialist insurance to make sure you're covered.