Landlords' insurance

Renting out your property can be risky business.
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  • Cover for unexpected loss or damage
  • Buildings and contents cover available
  • Compare a range of insurance providers

What does landlords' insurance cover?

Also known as buy-to-let insurance, it typically includes buildings insurance to protect against structural damage, and contents cover if you're renting out a furnished property.

    Landlords' policies are normally available with optional extras that could:

  • Cover the cost of repairs for emergencies like burst pipes, gas leaks and pest infestations.
  • Provide legal protection for any disputes that may arise with your tenants like the recovery of outstanding rent.
  • Compensate you for loss of rent so you can still meet your mortgage repayments if an accident renders your property non-rentable.

If you have a number of buy-to-let properties, you can usually insure them under a single policy.

Landlords' insurance usually covers the most common risks associated with renting out a property. But they do differ in their coverage so it's important to check the small print.

Do I need landlords' insurance?

It's not a legal requirement but standard buildings and contents policies may not provide sufficient coverage. This could mean that your insurer could refuse to pay out if you don't have it.

Plus, if you’re renting out your property to tenants, chances are you’ll want that extra protection for your investment.

A landlords’ policy could cover you for the following so you’re not hit by any unexpected costs:

  • The cost of repairing damage caused by emergencies like gas leaks, break-ins and burst pipes.
  • Rent lost through damage to the property from events like flooding, storm and fire.
  • Compensation claims from tenants hurt or injured by an accident your property has caused.
  • Loss of rent if an accident leaves your property unoccupied and you're potentially unable to meet your mortgage repayments.

Take a look at our guide to landlords' insurance for more information.

Renting out your property can be risky business, insure yours today! Landlord Insurance is provided by YOUR Insurance of Downsview House 141-145 Station Road East Oxted Surrey RH8 0QE. YOUR Insurance is a trading name of Towergate Underwriting Group Limited, authorised by the Financial Conduct Authority (No. 313250).