Investing in property and renting it out?

We guarantee to beat your new quote or renewal premium from any other insurer.

New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Doesn’t apply when Landlord Emergency Cover is added. Terms and conditions apply.

Buy-to-Let Insurance

What is buy-to-let insurance?

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.

What does landlord buy-to-let insurance 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.

Keeping your investments safe

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.

Helping to keep your rental income coming in

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.

Insurance against legal claims by tenants

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:

Damages awarded to the claimant

Your legal costs in defending a claim

The claimant’s legal costs, if you’re at fault

Get a quote
or call us on 0345 303 1763

Get the cover you need

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.

Take a look at our Buy-to-Let Insurance

  • Buildings Insurance cover
    Buildings cover is not compulsory for residential properties.
  • New-for-old contents cover (Landlord Contents Insurance available for leasehold properties, such as flats, where a freehold management company may already have buildings insurance).
  • We’ll pay to either repair or replace your boiler if it breaks down. (With Buildings cover, excludes wear and tear).
  • Glass and locks replacement.
    Glass replacement following breakage. Replacement Locks following loss of keys (by theft or robbery) with Contents cover.
  • Damage to floor coverings such as carpets, lino and laminate floors. Standard cover up to £5,000 with an option to increase.
  • Access to our free 24/7 legal helpline.
  • Access to your own specialist claims handler should the worst happen.
  • 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 re-house your tenants following an insured event such as a flood or fire. (subject to policy limits).
  • 0% interest if you wish to pay by instalments in the first year to help spread the cost.
    0.0% APR representative subject to eligibility, over 18's only.
  • No administration fees to pay.

Optional extras

  • Landlord Emergency – 24-hour access to assistance in the event of an insured emergency at your residential rented property.
  • Legal Expenses – covers the cost of defending your legal rights. Includes Repossession Cover, Nuisance and Evictions 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 - protection if an employee claims against you for an injury caused while at work
  • Malicious Damage by Tenant cover
  • Theft by Tenant cover
  • Subsidence - covers you in the event the buildings suffer from subsidence, heave or landslip. Subject to acceptance criteria and any previous Subsidence claim.
  • Personal Accident - cover pays up to a maximum benefit of £50,000 in respect of Death or a weekly benefit of £250 if temporary disabled to insured persons between the ages of 16 -75 if they are unable to work because they've been injured in an accident, whether in a business or personal capacity.
Get a quote
or call us on 0345 303 1763

Got more than one rental

Find out more about our multi-property insurance

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