Personal Insurance Contact us Claims
Get a quote

Landlord contents insurance

Price beat guarantee

We guarantee to beat the renewal premium or quote of any other insurer when you take out a new landlord policy with us.

Cover on an equivalent basis to ours. Doesn't apply when Rent Guarantee or Landlord Emergency Cover is added. Qualifying criteria apply. Terms & Conditions.

Get a quote Retrieve a quote
What Mortgage Awards logo

Contents Insurance for Landlords

What is landlord contents insurance?

Landlord contents insurance can cover repair costs or 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 such as carpets, lino and laminate floors is also included.

Just want your contents insured? We provide new-for-old contents cover

Our insurance is designed specifically for landlords and buy-to-let owners, and so far more than 250,000 landlords have taken the direct line. We provide tailored Landlord Insurance, so if the building is already insured, you might just want to get contents cover for the furniture, white goods and homewares you've left inside your property for your tenants to use.

Our landlord contents only insurance policy covers:

  • Damage to fixtures and fittings that aren't part of the building - such as free-standing ovens, washing machines or fridges; as well as beds, sofas and other free standing items of furniture.
  • Damage to floor coverings - standard cover up to £5,000 with an option to increase.
  • Replacement locks up to £25,000 - in case they're broken due to a burglary or need replacing because of theft of keys.
  • Alternative accommodation for tenants - covers up to £100,000 for housing tenants if the property can't be lived in due to an insured event, such as flood or fire.
  • It also has public liability, so if you're sued for damage to someone else's property or injury to a third party like a tenant, you're covered. For example, the chair you have provided collapses when the tenant sits on it causing them an injury, you'll be covered for the legal costs and any compensation awards.

Direct Line for Business policies give you the choice to extend your cover for an additional premium. Remember that home insurance isn't designed for rental properties - you need specialist landlord insurance.

Our specialist claims handlers have helped thousands of landlords get the contents of rental properties repaired or replaced, so they can get on with their lives. If you make a claim, we'll allocate a dedicated claims handler to look after your claim from start to finish, so your claim will get sorted with as little fuss as possible.

Our flexible cover allows you to add properties to an existing policy any time, giving you one simple renewal date.

Take a look at our Landlord insurance

Option to increase limits

  • New-for-old contents cover. Either buildings OR contents is standard, not both.
  • Public Liability cover of £2m with the option to increase.
  • Alternative Accommodation - we'll pay to re-house your tenants following an insured event such as a flood or fire. (subject to policy limits).
  • Glass and locks replacement. Glass replacement following breakage. Replacement locks following loss of keys (by theft or robbery) with Contents cover.
  • Document services and 24/7 Helpline provided by DAS Legal Expenses Insurance Limited. For uncommon and certain country-specific areas of law, you'll be referred to specialist advisors available Mon-Fri, 9am-5pm, excluding bank holidays.
  • Access to your own specialist claims handler should the worst happen.
  • 0% interest if you wish to pay by instalments in the first year to help spread the cost. (0% APR representative, subject to eligibility, 18s and over).
  • No administration fees for mid-term amendments.

Optional extras

  • Landlord Emergency - 24-hour access to assistance in the event of an insured emergency at your residential property.
  • Legal Expenses - covers the cost of defending your legal rights. Includes Repossession Cover, Nuisance and Eviction of Squatters Cover, and Tax Protection.
  • Rent Guarantee - If your tenants can't pay, this covers you for the unpaid rent and legal fees until they move out. Eviction notice must have been correctly served before a claim. Purchased as part of legal Expenses add-on at new business or renewal. Restricted claims for existing tenants in first 90 days after purchase.
  • Accidental damage for Contents when you've insured them
  • We'll pay for loss of rent if your property becomes uninhabitable following an insured event such as a fire or a flood
  • 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

Landlord Knowledge Centre

Explore Knowledge Centre

How can we help?

Our virtual assistant is here to answer your questions. And in cases where it doesn't have the answer, we'll put you in touch with someone who can help.

Chat now

Contact us

Opening hours:

  • Monday to Friday 8am - 6pm
  • Saturday 9am - 3pm
  • Sunday closed
Call us on 0345 303 1763

Related links

Severe weather help

Here's what to do if storms and floods or other adverse weather affects you.

Read more

Need legal advice?

As a landlord insurance customer, you'll get access to our 24-hour legal advice helpline, as standard.

Read more