Buy To Let Insurance

Specialist Buy to Let Insurance for UK Landlords

Owning a rental property comes with responsibilities, and having the right cover in place could protect your investment from unexpected costs. Buy to let insurance is specifically designed for landlords who let out residential properties, offering cover that standard home insurance typically does not include.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Buy To Let Insurance?

Find a policy tailored to your rental type and tenant profile
Compare premium levels and excesses
Flexible protection that can grow with your business
Dedicated customer service and claims assistance
Highlight exclusions and important terms
Affordable monthly payments
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What is Buy to Let Insurance?

Buy to let insurance is a type of landlord insurance tailored for properties rented out to tenants. It can offer protection against risks such as property damage, loss of rental income, legal disputes, and liability claims. Whether the property is occupied by a single tenant, a family, or multiple occupants (HMOs), this insurance could provide essential financial protection.

Who May Need Buy to Let Insurance?

Buy to let insurance could be suitable for:

  • Private landlords with one or more residential rental properties
  • Professional landlords with extensive portfolios
  • First-time landlords entering the rental market
  • Landlords letting to students, professionals, or DSS tenants
  • Property owners using letting agents or managing rentals directly

If a property is mortgaged under a buy to let agreement, many lenders may require specialist landlord insurance as part of the lending terms.

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What Can Buy to Let Insurance Cover?

Core Covers
  • Buildings Insurance: Cover for the physical structure of your rental property.
  • Contents Insurance: For items provided by the landlord such as furniture, appliances, or soft furnishings.
  • Property Owner’s Liability: Helps with legal costs and compensation if someone is injured on your property.
  • Loss of Rent: May compensate for lost income if the property becomes uninhabitable due to an insured event.
  • Alternative Accommodation: Helps cover the cost of rehoming tenants in the event of significant damage.
Optional Extras
  • Accidental Damage Cover
  • Malicious Damage by Tenants
  • Legal Expenses Cover
  • Home Emergency Cover
  • Rent Guarantee Insurance
Key Benefits of Buy to Let Insurance
  • Can help protect your financial investment
  • Tailored cover for landlord-specific risks
  • Can cover damage, loss of rent, and liability
  • Options to include legal expenses and rent protection
  • Peace of mind knowing tenants and property are covered

FAQs

It is not legally required, but many lenders make it a condition of a buy to let mortgage. It may also provide valuable protection that standard home insurance would not offer.

Some providers offer cover during void periods, but the length of acceptable vacancy may vary. Additional conditions might apply.

Policies can include accidental and malicious damage by tenants as optional extras.

Yes, some insurers offer portfolio policies for landlords with several properties.

When comparing residential landlord insurance, it’s important to consider more than just price. We encourage landlords to:

  • Assess the rebuild cost of the property
  • Decide whether contents cover is necessary
  • Consider how long they could afford to lose rental income
  • Check the terms for unoccupied properties
  • Evaluate optional extras like legal or rent protection

Working with a broker can make it easier to tailor cover to suit your individual circumstances.

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

From tenant risks to building cover – this section offers insurance guidance and landlord tips for buy-to-let owners.