Buy-to-let
Landlord
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What is Buy-to-Let Insurance?

Buy-to-Let Insurance is designed to protect landlords who rent out residential properties. Whether you own a single buy-to-let, multiple rental properties, or an HMO, this specialist cover safeguards your investment against risks such as property damage, loss of rental income, and liability claims.

For private landlords, property investors, and letting agencies, Buy-to-Let Insurance provides essential financial protection, ensuring peace of mind while managing rental properties.

Who Needs Buy-to-Let Insurance?

If you rent out a property, specialist insurance is crucial to protect your investment. This includes:

  • Buy-to-Let Landlords – Cover for single or multiple rental properties.
  • HMO Landlords – Protection for Houses in Multiple Occupation with multiple tenants.
  • Portfolio Landlords – Cover for those managing multiple rental properties.
  • Accidental Landlords – For homeowners who rent out their property.
  • Short-Term Let Landlords – Cover for holiday rentals or Airbnb properties.

Why is Buy-to-Let Insurance Important?

Standard home insurance won’t cover rental properties. Without landlord-specific cover, you could face significant financial losses if something goes wrong.

Key risks that Buy-to-Let Insurance protects against include:

  • Property Damage – Covers damage caused by fire, flood, storms, or tenant negligence.
  • Loss of Rent – Protection if your property becomes uninhabitable due to an insured event.
  • Liability Claims – Covers legal fees and compensation if a tenant or visitor is injured on your property.
  • Alternative Accommodation – Covers costs if tenants need to be rehoused due to property damage.

What’s Covered in Buy-to-Let Insurance?

Buy-to-Let Insurance policies typically include:

  • Buildings Insurance – Covers structural damage to your property.
  • Contents Insurance – Protection for furnishings if you let a furnished property.
  • Landlord Liability – Covers claims for injuries or damages involving tenants or visitors.
  • Loss of Rent – Compensation if tenants cannot live in the property due to an insured event.

What’s Not Covered?

  • Wear and tear of the property.
  • Tenant non-payment of rent (unless rent guarantee cover is added).
  • Malicious damage by tenants (unless covered under optional add-ons).

Additional Cover You May Need

Depending on your rental property type, you may need additional cover such as:

Get the right cover for your rental property

At Insurably, we have access to 100's of insurer markets, meaning that no matter how unique your rental property is, we know where to find the right cover for you.

Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring your investment is fully protected.

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  • Small local office, no call centres.
  • Experienced, knowledgeable staff.
  • We keep it simple—no jargon, just clear and honest advice.

What does Buy-to-let Landlord Insurance cover?

  • Liability for Tenant or Visitor Injuries
  • Property Damage Protection
  • Loss of Rental Income

What's Covered?

What's Not Covered?

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Landlord Insurance is designed to protect your rental property against risks like fire, flood, tenant damage, and legal liability. Insurably® offers straightforward, tailored cover with expert advice—making it easy for landlords to safeguard their investment with confidence.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in landlord insurance

100+

insurer markets accessed

100%

confidence in property protection

Buy-to-Let Insurance FAQs

Buy-to-Let Insurance is designed for landlords who rent out properties for investment purposes. It protects against property damage, loss of rental income, and liability claims from tenants or visitors.
Typical cover includes:
  • Buildings Insurance – Protects against damage from fire, floods, storms, and other risks.
  • Landlord Contents Insurance – Covers fixtures, fittings, and furniture provided for tenants.
  • Loss of Rent – Compensates for lost rental income if the property is uninhabitable due to an insured event.
  • Property Owners' Liability – Covers legal claims if a tenant or visitor suffers an injury due to property defects.
  • Alternative Accommodation – Covers tenant rehousing costs if required.
  • Legal Expenses – Helps with legal costs related to tenant disputes.
No, standard home insurance does not cover rental properties. Buy-to-Let Insurance is specifically designed for landlords and includes protection against tenant-related risks.
While not legally required, most buy-to-let mortgage lenders mandate insurance as a condition of the loan. It also protects against financial losses from property damage and rental disputes.
The cost depends on factors such as:
  • Property location and type.
  • Number of tenants and tenancy agreement type.
  • Rebuild cost and level of cover required.
  • Additional cover options such as rent guarantee or accidental damage.
Get a personalised quote online through Insurably or speak with our expert team. We compare leading insurers to find the right cover for your investment property.