Insurance
Landlords Insurance
Standard home insurance does not cover a property you let out. Landlords insurance is built for buy-to-let owners — protecting the building, contents you provide, lost rental income and your liability as a landlord.
What type of property is it?
What's covered
Cover built for rental property owners
Buildings Cover
Protects the structure of your rental property against fire, flood, storm damage and other insured events — often a mortgage lender requirement.
Landlord Contents
Covers furnishings, white goods and other items you provide for tenants, whether the property is let furnished or unfurnished.
Loss of Rent
If the property becomes uninhabitable after an insured event, this cover replaces the rental income you would otherwise lose while repairs are carried out.
Property Owners Liability
Covers your legal liability if a tenant or visitor is injured, or their property is damaged, as a result of your rental property.
Malicious Damage by Tenants
Standard home insurance rarely covers this — landlords insurance can protect you against deliberate damage caused by tenants.
Rent Guarantee
An optional add-on that covers lost rent if a tenant stops paying, giving you protection while you pursue arrears or regain possession.
Related Cover
Letting a property often goes hand in hand with the right mortgage and protection cover.
Expert mortgage & protection advice, tailored to you.
