Buy-to-Let Insurance

Buying a property and renting it out to tenants can create additional risks for you, including landlord liability, loss of rent, and damage to your property. Standard home insurance may not cover you for these mishaps, which could leave you financially liable for associated costs. Buy-to-let insurance can help protect you if something goes wrong during the tenancy, which can ensure you have cover in place for various risks that come with owning a rental property.

Buy-to-let insurance is a type of landlord insurance. It can provide cover for damage to the building or its contents, as well legal claims and costs. Our buy-to-let landlord insurance includes 40 covers as standard, helping to provide you with a suitable insurance policy for many different risks you may face.

Our policy can cover you from damage caused by events such as fire, storm, flood, and escape of water. It can also provide cover for loss or damage caused by a range of incidents, including those specific to have tenants living in the rental property.

Just Landlord’s buy-to-let insurance can include the following cover:

• Buy-to-let buildings insurance: For when the rental properties are damaged by an insured event and need repair work.
• Buy-to-let contents insurance: For when the landlord’s contents are damaged by an insured event and need replacing or repairing.
• Loss of rent insurance: For when the property is uninhabitable due to an insured event*.
• Alternative accommodation insurance: Can help with the cost of alternative accommodation for tenant if the property is uninhabitable due to an insured event*.
• Liability insurance: For legal and compensation fees associated with claims from tenants, domestic staff who work at your property, or your responsibility as a landlord.

Policy limits and exclusions may apply. Please see the policy wording for full terms and conditions.

Policy limits and exclusions may apply. Please see the policy wording for full terms and conditions. *A claim can only be made for either alternative accommodation or loss of rent on each claim.

When managing a buy-to-let property, landlords face specific risks that may not be covered by standard home insurance. For example, if a tenant caused damage to your property while living there, typical house insurance might not cover you for associated repair or replacement costs.

Insurance for buy-to-let properties can help provide financial security, including cover against damage and theft by tenants. This insurance can also include loss of rent and unauthorised alterations to help provide further financial assurance against other risks.

Buy-to-let house insurance can cover a range of properties, including:

• Detached, semi-detached, and terraced houses
• Bedsits
• HMOs (houses in multiple occupation)
• Flats
• Cottages
• Student lets

The price of your buy-to-let premium can vary based on several factors, including:

• The level of cover you need – how much cover you need for your property affects the cost.
• Where your property is located – properties situated in high-risk areas, such as flood-prone regions or areas with high crime rates, may increase your premium.
• Your claims history – a history of frequent claims may result in higher premiums.
• Your property – the size, age, and condition of your property also influence insurance costs. Older properties or those with specific features, such as swimming pools, may require additional cover, which can increase your premium.

Some tenants may be considered higher risk than others, such as students, so this can increase the cost of your policy. It can help to compare buy-to-let property insurance with multiple providers first to see how costs differ.

Some providers, such as Just Landlords, let you spread the cost of your policy across the year rather than paying upfront. You can pay for our buy-to-let insurance by interest-free Direct Debit over 12 months. Please see our Direct Debit page for full information, including the initial deposit required.

Just Landlords offers buy-to-let cover that could help keep your rental property protected. Our landlord insurance is rated 5 Star by Defaqto, the financial product rating experts, so we can help you find suitable cover. We also have over 1,000 reviews and a rating of “Excellent” on Trustpilot**. To get a quote, fill out our online form. You can also speak to a member of our team on 0808 168 9220 if you’d like further information.

**Correct as at January 2025.