New policies only. Cover on an equivalent basis to ours. Qualifying criteria apply. Doesn't apply for short term lets or when Rent Guarantee or Landlord Emergency Cover is added. See how to apply and the terms and conditions of this offer.
Landlord contents insurance can cover repair costs or the replacement of furniture that you provide in your rental property. Contents will be any free-standing item such as cookers, washing machines, tumble dryers, fridges, tables, beds, and sofas. As part of our standard contents cover, damage to floor coverings which have not been permanently fixed to the property such as tacked down carpets and lino is also included up to £5000, with the option to increase.
Standard home insurance doesn't cover rental properties, but landlord contents insurance does. Whether you own a single property or multiple, landlord contents insurance offers you peace of mind.
While landlord contents insurance is not a legal requirement, it's valuable for landlords who provide furnished or part-furnished rental properties. Contents insurance covers the cost of repairing or replacing items such as furniture, free-standing appliances, and other household goods if they're damaged by incidents like fire, flood, or theft. However, it does not cover wear and tear.
Tenants are not typically responsible for accidental damage to the landlord's property, meaning any damage to items you provide could fall under your responsibility. Contents insurance gives landlords peace of mind by safeguarding their investment.
Our landlord contents insurance is designed specifically for landlords and buy-to-let owners — and, so far, more than 350,000 landlords have come direct. We provide tailored landlord insurance, so if the building is already insured, you might just want to get contents cover.
Contents insurance specifically covers the belongings that you, as the landlord, provide to your tenants. This includes furniture, free-standing appliances (white goods such as washing machines, fridges, and ovens), and other household items.
New-for-old contents cover means that, if any of these items are damaged beyond repair or destroyed due to an insured event (such as fire, flood, or theft), they could be replaced with brand-new items, regardless of their age or wear and tear. This prevents you from being stuck with outdated or less valuable replacements.
Direct Line for Business policies give you the choice to extend your contents insurance cover for an additional premium. Remember that home insurance isn't designed for rental properties - you need specialist landlord insurance.
Our flexible cover allows you to add properties to an existing policy any time, giving you one simple renewal date.
Our virtual assistant is ready to answer your questions.
Start a WhatsApp chat and get the help you need wherever you are. You can make many policy changes directly on WhatsApp.
