BUY-TO-LET INSURANCE

Click here to compare buy-to-let landlord quotes and get on with your day - click here to start your quote.

✓ Cover for building, contents & accidental damage
✓ Compare landlord quotes, save time and money
✓ Cover Professionals, Student Lets, DSS and more
✓ Protect your assets with the right cover

Get landlord Insurance for a limited company the easy way - click here now!

Why Use Us?

SECURE & ENCRYPTED

Secure

UKLI COMPARE guarantee your confidence when shopping online by following the latest internet security standards.

HAPPY RETURNING CUSTOMERS

Reviews

At UKLI COMPARE, we've thousands of happy customers returning to find great deals - since 2011.

100% FREE COMPARISON SERVICE

FREE SOLAR QUOTES

Using the services here on our website is always free to the consumer 100%.

YOU COULD SAVE TIME & MONEY

solar panel quotes

Get your quotes by filling in one simple form, compare prices, and start saving.



Why Use Us?

Secure

Secure & Encrypted Form Data


UKLI COMPARE guarantee your confidence by securing online forms by following the latest internet security standards.

Reviews

Happy Returning Customers


At UKLI COMPARE, we've thousands of happy customers returning to find great deals - since 2011.

FREE SOLAR QUOTES

100% Free Comparison Service


Using the services here on our website is always free to the consumer 100%.

solar panel quotes

You Could Save Time and Money


Get your quotes by filling in one simple form, compare prices, and start saving.


Buy-to-Let Insurance

Buy-to-Let Insurance Guide

Owning a rental property or a portfolio of properties can be very rewarding.

But as a landlord, you'll need specialist buy to let insurance from a reputable provider to protect you from unforeseen outgoings and losses.

After all, not all tenants are responsible people who pay their rent on time and are respectful of their landlord's property.

And even with dream tenants who are happy to be your lodgers and go out of their way to maintain your rental property, there may always be mechanical, technical, or environmental issues to deal with, whatever the property's age and condition.


Get landlord Insurance for a limited company the easy way - click here now!

What Is Buy-to-Let Insurance?

Standard property insurance doesn't cover against the risks that rental properties are associated with.

  • Before you let your house or flat, you should cover yourself against these mishaps by taking out specialist buy to let home insurance.
  • Depending on your preferences and needs, buy to let landlord insurance can partially or entirely cover the expense of repairing, rebuilding, or replacing your assets, as well as a variety of other costs.

In short, buy to let insurance is the only type of property insurance that can protect not just your property, but also your investment.

Types of Insurance for Buy-to-Let Landlords

Your buy to let insurance provider may offer a comprehensive package or allow you to select specific products that suit you. Most will be able to provide and discuss with you the following types of insurance:

  • Buildings insurance – protects the structure of your building and sometimes kitchen and/or bathroom fittings against fire or flood damage, and it's compulsory for landlords who want to take out a mortgage on their rental property.
  • Contents insurance – covers damage to furniture, furnishings, and electrical devices, but when it includes accidental damage cover, it can also protect other possessions.
  • Home emergencies insurance – covers the risk of break-ins, leaks, burst pipes, etc.
  • Loss of rent – in between tenants, the insurance can cover you for any loss of rent.
  • Liability insurance – covers against costs for any injury or death tenants may sustain at the property.
  • Legal cover or accidental damage cover – as above, but also covers defence costs.

How Much Will Buy-to-Let Insurance Cost?

The premium you can receive and the monthly rate you will pay for your buy to let home insurance will depend on the property, as well as your claims history.

Generally, buy to let insurance quotes are slightly higher than residential insurance.

Some of the factors that can drive up the cost will include:

  • Location of the rental property
  • Type of property (old house, modern flat, listed building)
  • Size and cost to rebuild the house
  • Number of tenants
  • Number and type of contents insured
  • The excess you choose to set aside

Get landlord Insurance for a limited company the easy way - click here now!


How Should I Let My Property?

You may come across various types of prospective tenants.

Rather than take their application at face value, it's best to rely on the services of a vetting company.

These professionals have access to financial and security data not normally available to the general public, and they are best equipped to spot an impostor.

Generally, though, tenants come in these standard flavours:

  • Professional individuals or couples who are responsible for their own rent payments are ideal tenants.
  • Students who may rely on relatives to pay their rent but are willing to share the rental property are seen as a slightly riskier investment.
  • Relatives, whether they pay rent or not, are somewhat of a risk, but some insurers will cover the property even without a tenancy agreement, provided they don't pay rent.
  • Sub-letters or subtenants are not usually an acceptable option for insurers, given that you would have no control over who the tenant allows on the premises.
  • Department of Social Care (DSS) or Local Housing Authority (LHA) tenants have their rent paid by the local council through housing benefits, and insurance companies may not be willing to accept the risk associated with arrears or delays caused by changes in circumstances.

What Won't Buy-to-Let Property Insurance Cover?

landlord-insurance-for-council-tenants

Much like other insurance policies, some situations are excluded from buy to let property insurance policies.

Here are some of the cases that buy to let property insurance won't cover:

  • Average clause – the 'Condition of Average' states that the rebuild value you declare for your house will be used as reference for premiums, meaning that if you undervalue your house to get a cheaper monthly rate, your premiums will also be lower.
  • Storm damage to fencing – maintaining fences and hedges is generally your responsibility and most insurers will not cover the cost of replacing damaged panels.
  • Unoccupied property – insurers will cover your property only for a pre-set amount of days if it is unoccupied, so the sooner you find a new tenant the better.

Lowering Your Buy-to-Let Insurance Quotes

Bear in mind that your buy to let insurance should first suit your needs, and that value-for-money comes second.

Still, there are several ways to make sure that your buy to let insurance quotes are, and will continue to be, as low as possible:

  • Get the rebuild value right the first time. The last thing you need when something goes wrong is to be left out of pocket. So, don't underestimate the rebuild value. Likewise, you want your premiums to be as low as possible, so try to come up with a realistic figure.
  • Increase your excess payment. If you commit to putting a 3-digit excess payment on the table when something goes wrong, your insurance quote will probably drop before your eyes.
  • Wait for the right tenant. Don't rush to accept the first tenant who applies. If you have more than one option, weigh them carefully. After all, busy working professionals are less likely to cause any damage to the property than tenants with a large number of pets.
  • Tighten up security. Kit out the property with an alarm system. It needn't be the latest cutting-edge gadget with CCTV, motion detectors, alarms, two-way voice, and remote-controlled door locks, but it helps.
  • Consolidate your insurance. If you have several properties and other assets, your insurance company may be able to give you a discount for letting them insure your entire portfolio.

Where Can I Find Good Buy-to-Let Insurance?

There's no shortage of companies that offer insurance for buy to let landlords. But not all insurance policies are made equal, and neither are these companies.

A good starting point is word-of-mouth recommendations from people you trust who have had positive experiences with their insurers.

Failing that, there are several other buy to let insurance options, though some may not be impartial:

  • Price comparison websites
  • Online reviews and testimonies
  • Insurance company websites
  • Insurance brokers
  • Financial advisers

How to Claim Buy-to-Let Insurance

As soon as damage, theft, or the threat of a court case become apparent, you should try to get all the details and let your insurer know.

Waiting too long to submit your claim may lead to its rejection.

  • Companies that provide insurance for buy to let landlords expect to be given proof of the damage, including police reports, fire reports, photos, video footage if available, etc.
  • The damage must be assessed, and these estimates should also be sent to the insurer. It's unlikely that the insurer would be able to cover any invoices when you begin the repair work, so first check that they agree with the quotes and keep your invoices safe for future reference.
  • Where possible, insurers may be able to replace your assets with identical or similar products. Otherwise, they may issue vouchers instead. Either way, they will demand to see original receipts.

Get landlord Insurance for a limited company the easy way - click here now!


Buy-to-Let Insurance Policy & Keywords

Insurance terminology can be confusing.

If you're not familiar with insurance speak, go over the terms and conditions of your insurance policy for these keywords before you sign it:

Excess. This is the amount you pay out of your own pocket towards the cost of repairing or replacing your property or possessions.

  • As mentioned above, you may need to compromise on monthly rates if you're unable to offer a large excess.
  • Insurers may expect three-figure sums on plumbing claims, and you could well be looking at four digits should you ever make a subsidence claim. The same goes for rent guarantee insurance, where insurers expect you to cover one month's rent.
  • Of course, you're free to renegotiate these terms in a few years, but you'd still be expected to pay more up-front if you want to keep your excess low.

Exclusions. As explained above, these are things the policy will not cover. Most will not cover tenants' possessions, for instance, in case of flood, fire, or theft. Pay special attention to this clause

Perils. The situations covered by insurance policies are described in your agreement as a list of 'perils'. This list will vary from one insurer to the next, so it should be one of the first considerations.

  • For a price, you may be able to add to the standard list of perils, or even draft a bespoke insurance policy with a list of perils that suits you specifically.
  • However, your mortgage lender will have set their own list of standards, and your buildings insurance should comply with their requirements.

Sum Insured. This translates into the maximum you're likely to receive from your insurer when you make a claim. It's usually the same as the cost of rebuilding the property.

  • Though large lump-sum payments may seem appealing at first, the sum insured will determine your monthly insurance rate, so there's no real need to take out cover for more than the property is worth.
  • Claiming and then renewing the policy brings with it higher premiums, even though the sum insured stays the same.

Rebuild Cost. The rebuild cost coversonly labour and raw materials. It does not take into account the market, inflation rate, substantial extensions, or any other factors that would have raised the market value over the years.

  • If you're not sure what your rebuild cost would be, a house survey should help. In the meantime, a reliable online calculator like the one used by the Association of British Insurers (ABI) may give you a decent estimate.
  • Ultimately, finding the right landlord insurance provider takes a bit of research. But with patience and prudence, you can carry out your due diligence knowing that whichever provider you choose will be able to assist you when your investment is under threat.
  • After all, buy to let home insurance is worth having in good times as well as bad, if only for the peace of mind it brings.

Need a Buy-to-Let Insurance Policy?

Everyone wants cheaper insurance and UK landlords are no different.

  • The best way to honestly find cheaper cover would be to use a good broker that works with many insurers.
  • The reason for this is, broker have computer system already in place. Prices are available in seconds from their computer screen because they invested in this system to save you time.

Take the free quote and get smarter buy to let insurance, click here.


Get landlord Insurance for a limited company the easy way - click here now!

Hit us up on Social media


Recent Articles

  1. Home Solar Panels Scotland - Get Quotes From Local MCS Installers

    Apr 15, 25 05:04 PM

    solar panels
    Approved MCS home solar panels Scotland. Get the right installers on the job the first time around.

    Read More

  2. HOME-SOLAR-TEMPLATE

    Apr 15, 25 03:41 PM

    Home Solar
    HOME-SOLAR-TEMPLATE

    Read More

  3. Solar Panel Installation | Home & Commercial Installs | UKLI Compare

    Apr 15, 25 01:10 PM

    COST OF SOLAR PANEL INSTALLATION QUOTE
    Compare solar panel installation quotes and get the best possible price and quality installation practices with the right installers you can count on and...

    Read More

  4. Compare Office Surgery Insurance Quotes Online | UKLI Compare

    Apr 14, 25 01:15 PM

    office surgery insurance quotes
    Cover your surgery with office surgery insurance and compare quotes to find the perfect policy for your surgery fast.

    Read More

  5. Private Landlord Insurance for Private Tenants | UKLI Compare

    Apr 14, 25 12:31 PM

    landlord-insurance-unemployed-tenant
    Compare private landlord insurance quotes and find better prices in no time and get your tenants sorted with the right insurance from day one. If you know...

    Read More

  6. Landlord insurance | Housing Benefit? | UKLI Compare

    Apr 14, 25 11:58 AM

    landlord-contents-insurance
    Need to know more about tenants who claim housing benefits or insuring them, it's all here landlords.

    Read More

  7. Landlord Insurance for a Limited Company | UKLI Compare

    Apr 14, 25 11:31 AM

    LANDLORD INSURANCE FOR A LIMITED COMPANY
    Do you need landlord insurance for a limited company? Take the hassle out of getting quotes and talking to unnecessary insurance companies a service that works

    Read More

  8. Compare landlord contents insurance quotes, fast | UKLI Compare

    Apr 14, 25 11:01 AM

    Best landlord insurance
    Compare the market for landlord contents insurance and find great online prices you'll be happy with. Works perfectly for UK landlords.

    Read More

  9. Part-Time Motor Trade Insurance Comparison | UKLI Compare

    Apr 14, 25 10:18 AM

    Motortrade insurance
    Compare part-time motor trade insurance quotes and see the difference in price when you use a good comparison website like UKLI Compare.

    Read More

  10. 7.5 Tonne Motorhome Insurance | Compare Quotes | UKLI Compare

    Apr 14, 25 10:00 AM

    7.5 Tonne Motorhome Insurance
    Compare 7.5 tonne motorhome insurance quotes and walk away with a good policy for a decent monthly or annual price.

    Read More

  11. VW Campervan Insurance & Motorhome Comparison | UKLI Compare

    Apr 14, 25 09:40 AM

    camper insurance
    If you are looking for VW campervan insurance or a VW motorhome policy for your transporter or your T25 or a classic T1 or T2 you can do it here.

    Read More

  12. Compare Cheap Campervan Insurance Quotes Online | UKLI Compare

    Apr 14, 25 09:38 AM

    campervan image 3
    Compare cheap campervan insurance from specialist campervan insurance companies and win a good price.

    Read More

  13. Campervan Insurance with Breakdown Cover | UKLI Compare

    Apr 14, 25 09:33 AM

    6 month campervan
    Compare campervan insurance with breakdown cover and get the policy your looking for in a snap campers.

    Read More

  14. Need 6 Month Campervan Insurance - UKLI Compare.co.uk

    Apr 14, 25 09:31 AM

    6 month campervan
    Get the help you need when looking for 6 month campervan insurance and make sure the vehicle has the protection it needs for one driver or multiple drivers.

    Read More

  15. Best Motorhome Insurance Quotes Online | UKLI Compare

    Apr 14, 25 09:11 AM

    motorhome-insurance
    Compare the best motorhome insurance quotes from Britain's leading insurers and you could save a lot of time and money today.

    Read More

  16. 2 Van Fleet Insurance | UKLI Compare

    Apr 14, 25 08:44 AM

    Get a good price on 2 van fleet insurance for your business and keep it running with a good policy you can count on.

    Read More

  17. Nursery Minibus Insurance | Keep Your Children Safe | UKLI Compare

    Apr 14, 25 08:26 AM

    Minibus insurance
    Compare nursery minibus insurance quotes with great insurance companies with a fast and secure form that works with the UK's top minibus insurers.

    Read More

  18. Minibus Insurance for 1 Week | Get a Fast Quote | UKLI Compare

    Apr 14, 25 08:19 AM

    Minibus insurance
    Get minibus insurance for 1 week for your planned trip for pleasure or business and make sure you save on a policy from the first quote you get.

    Read More

  19. Any Driver Minibus Insurance | Get Online Quotes | UKLI Compare

    Apr 14, 25 08:17 AM

    Minibus insurance
    Compare quotes and get the right price on any driver minibus insurance with an experienced company.

    Read More

  20. Minibus Hire Excess Waiver Insurance - UKLI Compare

    Apr 14, 25 08:16 AM

    MINIBUS
    Get minibus hire excess waiver insurance so no matter what happens you have the right cover for your hired minibus.

    Read More

  21. Minibus Sports Club Insurance | Compare Quotes & Win | UKLI Compare

    Apr 14, 25 08:15 AM

    Minibus insurance
    Compare minibus sports club insurance for sport clubs like football clubs, boxing, rugby, golf and cricket clubs who need insurance for their minibus for sports days.

    Read More

  22. 9 Seater Minibus Insurance | Comparison & Quotes | UKLI Compare

    Apr 14, 25 08:13 AM

    Minibus insurance
    Compare 9 seater minibus insurance for your minibus business of if you use it for private hire that's fine as you can get good quotes...

    Read More

  23. 8 Seater Minibus Insurance | Get Quotes Now | UKLI Compare

    Apr 14, 25 08:09 AM

    Minibus background 1
    Get quotes on your 8 seater minibus insurance whether it be for annual or short-term cover you can find a good comparison here.

    Read More

  24. Private HGV Insurance Quotes | UKLI Compare

    Apr 14, 25 07:37 AM

    NEED HGV DRIVING INSTRUCTOR INSURANCE?
    When you want private HGV insurance and not for business use you can relay on the team of insurance professionals to help you along the way.

    Read More

  25. HGV Insurance for 18 Year Olds | Compare Quotes | UKLI Compare

    Apr 14, 25 07:35 AM

    hgv-insurance-for-18-year-olds
    If you are looking for HGV insurance for 18 year olds it might be a difficult if you don't ask the company. Compare quotes and find out...

    Read More

  26. HGV Goods in Transit Insurance | UKLI Compare

    Apr 14, 25 07:33 AM

    hgv instructor insurance
    Get ready to compare HGV goods in transit insurance quotes from the top truck insurance companies in the UK and do it quickly.

    Read More

  27. HGV Fleet Insurance Quotes | UKLI Compare

    Apr 14, 25 07:32 AM

    HGV Fleet Insurance Quotes
    HGV drivers and business owners compare HGV fleet insurance from the UK's top rated insurers in one swift go.

    Read More

  28. Compare HGV Insurance Quotes & Fast | UKLI Compare

    Apr 14, 25 07:26 AM

    HGV Fleet Insurance Quotes
    Compare HGV insurance quotes and get prices from the UK's leading HGV insurers for an excellent policy. Goods in transit insurance is available too.

    Read More

  29. Compare Landlord Insurance Quotes - Save Time & Money | UKLI Compare

    Apr 14, 25 07:11 AM

    landlord-insurance-compare-Background-3
    Compare landlord insurance quotes and adequately cover your assets with buildings and contents insurance, or add extra landlord protection.

    Read More

  30. Short Term HGV Insurance | Temporary HGV Insurance | UKLI Compare

    Apr 13, 25 05:22 PM

    short-term-hgv-insurance
    Do you need short term HGV insurance for a week and a month or even shorter periods? Compare quotes, and you could get cheaper temporary HGV insurance.

    Read More