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Buy-to-let insurance protects your investment property against unexpected events. Compare buy-to-let insurance quotes and get the cheapest deal with CIA Landlords.
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What is buy-to-let insurance?
Buy-to-let insurance is more specialised than standard home insurance. If something goes wrong with your property, buy-to-let home insurance will provide cover and minimise any potential risks associated with letting your property.
Buy-to-let landlord insurance covers a variety of situations including loss of rent and property owners liability.
What does buy-to-let insurance cover?
Typically, buy-to-let home insurance policies will cover you for the following:
- Contents insurance - Whether you're letting out a fully or part-furnished property, you may want to protect items you leave for the tenant to use. Carpets, curtains, free-standing white goods and furniture can all be insured against damage.
- Buildings insurance - This will cover damage as a result of common perils such as floods, fires, and burst pipes. This includes damage to the structure of the property as well as any permanent fixtures such as kitchen cabinets.
- Loss of rent - This feature will cover loss of rental income for periods where the property is uninhabited due to an insured peril.
- Alternative accommodation expenses - This will cover the cost of rehousing tenants if the property is no longer fit to live in as a result of an insured peril.
- Liability insurance - This covers your legal liability as the property owner.
- Legal Protection - This will assist you in evicting a tenant who refused to leave the property after the eviction notice has been served.
The cost of landlord insurance will depend on the features of the property and its location, so purchase your buy-to-let in an area with low crime rates if possible. Check out our area guides to find the best places to be a landlord in your region.
What isn't covered?
- Wear and tear
- Pet damage
- General maintenance issues
- Illegal activities
Our expert says...
"Always provide accurate information when obtaining a quotation and ensure any specific requirements you have are covered by the policy."
Misty Reeve - Assistant Sales General Manager
Why do I need buy-to-let insurance?
In an ideal world, every buy-to-let would remain in perfect condition. However, the reality is that you need buy-to-let insurance to cover you against things happening in the property when you do not live there.
Taking out insurance allows you to rest easy knowing that your rental property is secure against standard perils. Should the unexpected happen, covering potentially hefty rebuild costs will be one less thing you have to worry about.
How much does buy-to-let insurance cost?
The cost of buy-to-let insurance is affected by many factors so, we recommend you compare numerous buy-to-let insurance quotes to find the right deal. In general, the cost depends on:
- Level of cover - As you increase your cover, premiums will also rise.
- Property location - Crime rates in the area will be considered by insurers.
- Property size and age - The cost of potential repairs will be affected by these factors.
- The type of tenancy agreement
- Your claims history - Insurance will be higher if you have previously made a claim.
- Payment method - It's cheaper to pay annually rather than monthly.
Why choose CIA Landlords?
Independent As independent insurance brokers, we can offer a more personal service and you can chat with our experts about your cover. Speak to real people, not chat bots.
Accurate quoting We can make a whole of market comparison to find you the best landlord insurance deal. The big names such as MoneySuperMarket and Comparethemarket only compare quotes from a select few insurers.
Tailor made policy You can compare landlord insurance policies like for like and tailor add-ons to your needs. With no hidden fees, we are happy to update your policy whenever you need.
Price guarantee We guarantee that we will never be beaten on price. We are specialists in low cost landlord insurance.
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Frequently Asked Questions
A standard home insurance policy won’t cover you if you rent the property out to tenants. This is because tenants are higher risk. Buy-to-let insurance covers specific events that aren’t covered by home insurance. Having a specialist policy will ensure you are protected to the right level.
Yes, you can insure more than one buy-to-let property with our multi-property landlord insurance where you can receive a discounted rate. The cover is comprehensive and you can choose to insure buildings, contents or both.
Unfortunately, your own personal belongings won’t be covered on this policy and you will need to take out a household policy to cover your contents.
Specialist unoccupied property insurance will provide you with cover when you’re tenant is travelling/going to living abroad mid-tenancy. However, make sure to provide the insurer you’re using with lots of information, including the tenant’s return date.
If you are able to, you should try gathering the address of where your tenant will be living abroad, alongside any additional contact details should an emergency arise while they’re away.
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