What is buy-to-let insurance?

Buy-to-let insurance, also called landlords insurance, is a type of insurance for landlords and property owners. The basic product is landlord building and contents insurance. This covers risks relating to the fabric of the building and anything you may have left in the property, such as white goods, curtains, carpets etc (contents). Additional insurance products, such as rent guarantee, landlord legal expenses, and home emergency cover can also be added to provide further protection for an additional cost.

How much is landlord insurance?

The price depends on a variety of factors, such as the property you want to insure, your excess, and level of cover. For a full breakdown, we recommend reading our definitive landlords insurance statistics page. However, we guarantee to beat the price of your like-for-like landlord insurance quote ( see terms ).

What insurance do you need for rented properties?

Legally, you don’t need to have landlord insurance. However, this cover provides vital peace of mind that your property is protected if the worst happens. Landlord insurance covers the buildings and certain contents of your rental property, while add-on products, including landlord legal expenses and rent guarantee insurance, can provide additional protection. Find out more by watching our short video . If you have a mortgage, your lender may require you to have building insurance.

Do I need contents insurance if I let my properties on a part-furnished basis?

The policy provides cover for carpets, curtains, and white goods. If you want to cover anything more than this we would be happy to arrange additional cover for you.

Am I covered for injury to tenants and other people under my landlord insurance?

You are covered for £5m legal liability to third parties for any one incident. You also have employers’ liability cover for people working at your property, up to £10m.

What type of tenants are acceptable?

Provided your tenancy agreement is directly with the tenant; unemployed persons, students, and those receiving housing benefit/allowance are all acceptable.

Will cover continue when my tenant moves out?

Yes, it will remain in place for new tenants provided you have another tenancy agreement in place. Our landlord insurance also provides full cover for vacant properties for up to 90 days, subject to precautions.

Buy-to-let Insurance | High-quality Cover

Name: Buy-to-Let Insurance
Brand: Alan Boswell Group
Rating: 4.8 (11289 reviews)

We make purchasing buy-to-let insurance simple. We compare a range of quotes specific to your property requirements. You can buy online or talk to one of our property insurance specialists and they will search our panel of carefully selected insurers for the best buy-to-let insurance for you.

We’ve been working with landlords since 1995, so we know it’s vital to find the right cover for your BTL property. That’s why we provide high-quality cover and an award-winning service at a great price – so you get the best deal around.

The Alan Boswell Group Difference

Because our buy-to-let insurance products are managed in-house, we provide a unique service, with pricing, underwriting and claims primarily managed by our own team. We also have a landlord advice hub that is full of useful information to help landlords and property owners find the advice and products needed.

Our advice and service have been recognised by the industry and our customer feedback scores are proof of our consistently high standards.

What our customers say

Easy to use - all insurances were sorted to come up on the same date. Very simple website.

Mrs Knox - Landlord Insurance

4.8/5 11289 reviews

Our NIG landlord insurance policy is a Which? Best Buy

We take great pride in being recognised for our dedication to providing the best service and comprehensive, tailored cover for our customer's needs. If you are unsure of the type of cover you need, our expert advisers are available to help over the phone.

Buy-to-let insurance in detail

Our buy-to-let landlord insurance policies cover a range of property risks, so you get complete peace of mind.

Rebuild or repair cost

The cost to rebuild or repair your BTL property after an insured event e.g. flood or fire.

Damaged contents

The cost of damage to your carpets, curtains, and white goods are automatically covered.

Loss of rent

The cost of rehousing your tenant, or reimbursement for loss of rent, where the property becomes uninhabitable following a property damage claim.

Property owners' liability

£5million property owners' liability cover to protect you against legal action.

Employers' liability

£10million employers' liability to cover cleaners, gardeners, caretakers etc.

Full cover between tenants

Full cover for up to 90 days unoccupancy between tenants.

Dedicated claims team

Access to our experienced in-house claims team.

Manufacture of drugs by tenants

Insurance against damage caused by cannabis farms (conditions apply).

Malicious and accidental damage

Cover for damage caused by the tenant.

Optional extras

Our insurance is designed specifically for landlords and covers the buildings and contents of your investment property. As a landlord, we know you face more risks than that, which is why we can provide a range of additional covers: