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Landlord's Insurance

Buy–To–Let Insurance

More and more people are choosing to let property as a means of investment and additional income. Protecting your let property with suitable insurance is crucial. Normal household insurance policies aren't suitable so you will need a policy that is specially designed for landlords and provides the right cover for you and your property.

Cover available for let properties can include:

  • Buildings
  • Landlords Liability
  • Loss of Rent
  • Landlords Contents
  • Accidental Damage
  • Alternative Accommodation

Cover Explained

Landlords Liability

Like anyone running a business, it is essential as a landlord that you protect yourself against potential lawsuits for injury or even death of tenants, visitors and generally anyone on or near your property. Our policies will offer up to £5 milllion.

Buildings Cover

You will need to cover your property against all insurable risks to the full rebuild cost (including the cost of any professional fees). It's important to remember that the rebuild cost of the property is not the same as the market value or the price that you paid for the property.

If you have a mortgage on the property you wish to let, your bank/building society will want to know that adequate cover levels are in place to protect their investment and will have provided you with minimum sums insured in relation to re-building costs in their mortgage offer

Our buildings cover includes protection against a wide range of risks including:

  • Fire, smoke and explosions
  • Lightning, earthquake, storm or flood
  • Burst pipes and water leaks
  • Theft, malicious damage or vandalism
  • Vehicle collision
  • Subsidence, landslip or heave
  • Damage caused by falling trees, telegraph poles etc.
  • Cost of alternative accommodation

Loss of Rent

In the event that your let property becomes uninhabitable due to damage to the building, you need to protect your rental income. We can offer loss of rent up to 30% of the buildings sum insured.

Contents Insurance

Contents cover is not always required by landlords as a lot of let properties are unfurnished. However, if your property is part or fully furnished or you would like to protect the fixtures and fittings in the property you will need to consider this option.

The cover is designed to protect the landlord's contents in the let property against unexpected risks such as:

  • Fire, smoke and explosions
  • Lightning, earthquake, storm or flood
  • Burst pipes and water leaks
  • Theft, malicious damage or vandalism
  • Vehicle collision
  • Subsidence, landslip or heave

Please note: The tenant's possessions should be insured separately. We can offer tenants contents insurance cover please click here for more information

Rent and Legal Expenses

  • Legal Expenses/Property Disputes Insurance
  • Legal Expenses and Rent Guarantee (6 Months)
  • Legal Expenses and Rent Guarantee (12 Months)

The insurance options above are also available as policies with no excess.
or call us on 0161 772 3394 * for more information.

Rent Guarantee Insurance: What's covered

If your property is made uninhabitable for tenants, by an unforeseen event (such as a flood, fire damage, escape of water, storm etc) then this Rent Guarantee will cover the loss of rent up to a maximum of £2,500 per month and £15,000 per claim (or a maximum of 6 months’ rent, whichever is less).

Legal Expenses Insurance: What’s covered

Up to £25,000 per claim for Advisers’ costs in the event of an insured dispute between you and a tenant. For full details of what kinds of legal proceedings are included under the Legal Expenses cover, please refer to the Landlords Legal Expenses- Property Disputes Policy Wording, or call us on 0161 772 3394 *


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