Landlord buy-to-let insurance


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Frequently asked questions

  • What does landlord buy-to-let insurance cover?
  • Do I need to have landlord buy-to-let insurance?
  • How much does landlord buy-to-let insurance cost?
  • Can I reduce the cost of my landlord buy-to-let insurance?
  • Where can I find landlord buy-to-let insurance quote?

What does landlord buy-to-let insurance cover?

Most buy-to-let insurance policies will cover you for the following:

  • Buildings insurance - to cover damage to the structure of the property or any permanent fixtures as a result of vandalism, fire, floods, storms or subsidence
  • Contents insurance - if you’re letting out a furnished property  
  • Liability insurance - protection in the event a tenant or their visitors sustain an injury in your property for which you can be blamed
  • Alternative accommodation costs - if the property isn’t fit to live in after a fire or flood, for example
  • Loss of rent - cover for periods where the property is empty due to unliveable conditions.

Some insurance providers also offer additional cover that includes:

  • Rent guarantee protection  
  • Legal expenses for tenant-related disputes
  • Accidental damage. 

Do I need to have landlord buy-to-let insurance?

Although it’s not a legal requirement, many mortgage lenders will insist you have the right kind of insurance in place when you apply for a buy-to-let mortgage.

You may also find that standard home insurance won’t cover a rental property that you don’t live in. 

How much does landlord buy-to-let insurance cost?

The price of your premium depends on a number of factors, such as the size of your property, your personal circumstances and even the type of tenants you have. For example, in insurance terms, students are considered a higher risk than working professionals or a family with a secure income.

Can I reduce the cost of my landlord buy-to-let insurance?

The best way to get a good deal on your insurance is to shop around and compare a range of quotes. But you might be able to reduce the cost of your premium by:

  • increasing your excess

Where can I find landlord buy-to-let insurance quote?

Getting the most suitable landlord buy-to-let insurance is easier with Compare the Market’s handy comparison tool. So why not compare landlord buy-to-let insurance with us today and see if you could save?