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Buy to Let Investors Insurance
Protect Your Property, Income & Legal Position
Standard home insurance does not cover rental properties. You need cover built specifically for landlords — for the risks that come with tenants, voids, and liability.
Your buy to let mortgage lender may also require it. Don't assume you're covered — check your mortgage agreement.
What Is Buy to Let Investors Insurance?
Specialist insurance designed for properties you own and rent out to tenants. It covers the risks that come with being a landlord — none of which are covered under a standard home insurance policy.
If a tenant causes damage, a void period drains your income, or a visitor is injured on site, standard home insurance will not pay out.
Covers risks specific to renting — tenant damage, void periods, liability, and legal disputes.
Loss of rent and rent guarantee cover protect your cash flow through voids and tenant defaults.
Liability cover and legal expenses insurance shield you from claims, disputes, and eviction costs.
Multi-property policies available with discounts of up to 17.5% for portfolio landlords.
What Does It Cover?
Hover each card to see full details.
Buildings Insurance
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Buildings Insurance
Protects the structure against fire, flood, storm, subsidence, escape of water, and malicious damage.
Loss of Rent
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Loss of Rent
Covers rental income lost while your property is uninhabitable following an insured event — up to 24 months.
Property Owners Liability
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Liability Cover
Covers legal costs and compensation if a tenant or visitor is injured at your property. Cover from £1M to £10M.
Rent Guarantee
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Rent Guarantee
Covers missed rent if a tenant defaults. Most policies pay up to £50,000 in arrears plus legal costs to repossess.
Legal Expenses
Covers solicitor fees for evictions, contract disputes, and property damage claims.
Malicious Damage by Tenants
Covers deliberate damage by tenants — excluded from all standard home insurance policies.
Employers Liability
Legally required if you employ a cleaner or gardener under the Employers Liability Act 1969.
Your Legal Duties as a Buy to Let Landlord
Major Changes from 1 May 2026
The Renters Rights Act 2025 received Royal Assent on 27 October 2025. Phase one comes into force on 1 May 2026.
Section 21 no-fault evictions are abolished. All tenancies become periodic with no fixed end date. Rent increases limited to once per year with two months notice. Landlords cannot refuse tenants solely because they receive benefits or have children.
All landlords will be required to register on a new national private rented sector database. Legal expenses cover is now more important than ever.
These duties already apply regardless of the new Act:
Annual Gas Safety Check
CP12 certificate required every year under Gas Safety Regulations 1998. Must be given to tenants.
EICR Every 5 Years
Electrical Installation Condition Report required under Electrical Safety Standards Regulations 2020.
Fit for Human Habitation
Properties must meet habitability standards throughout the tenancy under the Homes Act 2018.
Fines for Non-Compliance
Failing any duty can result in civil penalties, fines, or prosecution. Insurance does not protect against regulatory breaches.
Protecting Your Rental Income
Void periods, tenant default, and property damage all threaten your income. These two covers work together to protect your cash flow.
Loss of Rent Insurance
Covers the rental income you lose when your property cannot be occupied following an insured event — fire, flood, storm damage.
Gives you breathing room while repairs are completed without the financial pressure of a vacant property.
Up to 24 months coverRent Guarantee Insurance
Covers missed rent payments when a tenant stops paying. Includes legal costs to pursue repossession through the courts.
Especially important post-Renters Rights Act — evictions now require a valid legal reason and take longer.
Up to £50,000 in arrearsFrequently Asked Questions
No. But your mortgage lender may require buildings insurance as a condition of the loan. Without it, a fire or flood could leave you uninsured on a property worth hundreds of thousands of pounds.
Yes, if your policy includes this cover. Always check — standard home insurance excludes tenant damage entirely. Confirm malicious damage is listed before signing.
Yes. Most buy to let policies include loss of rent for up to 24 months when the property is uninhabitable following an insured event.
Yes. Portfolio policies cover multiple properties and usually cost less per property than individual policies — with discounts of up to 17.5%.
From 1 May 2026, you cannot evict tenants without a valid legal reason and rent increases are limited to once per year. Legal expenses cover is now more important than ever to protect you through disputes and possession proceedings.