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Buy-to-Let Insurance

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 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 and a multi-property discount (minimum premiums apply). 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
    Either buildings OR contents is standard, not both
  • 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
  • Direct Line for Business Legal Documents Service – unlimited online access to a large library of customisable legal documents, plus you can have the documents you create checked by a solicitor
  • 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.
  • Multi-property discount if you insure more than one property on the same policy.
  • No administration fees to pay

Optional extras

  • 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

Got more than one rental property?

Find out more about our multi-property insurance

Read more

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