Landlord fixtures & fittings insurance

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

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. Terms & Conditions.

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We're proud to have won Best Landlord Insurance Provider at the What Mortgage Awards 2024.

Here's what our customers have to say about Direct Line Landlord insurance.

Fixtures and Fittings Insurance for Leasehold Landlords

We provide new-for-old fixtures and fittings cover, so you can insure the fixed units such as kitchens, bathrooms and skirting boards at your property.

If the unit is damaged, we will cover the cost of repairs. If it's beyond repair, we'll cover the cost of replacing the unit. (Our maximum limit that you can insure for this cover is £50,000).

This cover is for residential properties only and is designed specifically for landlords, who own a leasehold flat in a building that's insured under a freeholder's building policy but the buildings policy excludes cover for the leaseholders fixtures and fittings.

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What's included in the policy as standard:

Permanent internal fixtures and fittings - including kitchens, bathrooms, toilets, sinks, internal doors, including door furniture, owned and provided by the leaseholder and not insured by any buildings insurance policy.
Damage to floor coverings - including carpets, lino and laminate floors.
Up to £50,000 of cover - to replace the fixtures and fittings new for old.
Replacement locks up to £25,000 - in case they're broken due to a burglary or need replacing because the keys have been stolen.
Alternative accommodation for tenants (up to the sum selected) - if the property can't be lived in due to an insured event, such as flood or fire.

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Take a look at our Landlord insurance here, some of the benefits of insuring your property with us are:

Legal documents service, business guides and 24/7 legal advice helpline as standard via ARAG Businesslaw. Document services and 24/7 Helpline provided by ARAG 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.
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
Start a Landlord claim without the need to call.