Our phone lines are very busy right now, so there may be long wait times. To avoid any delay, you can use our website to get a quote, start a claim and view your policies. For other queries, chat to our Virtual Assistant. Coronavirus help and support Personal Insurance Contact us Claims My Account Landlord Insurance Van Insurance Tradesman Insurance Small Business Insurance Insurance cover Business Blog Landlord Insurance: we won't be beaten on price We guarantee to beat your new quote or renewal premium from any other insurer. New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Doesn't apply when Rent Guarantee or Landlord Emergency Cover is added. Terms & Conditions. Get a quote Retrieve a quote or call us on 0345 303 1763 Home Landlord Insurance Defaqto 5 star rating for Landlord Insurance Defaqto is an independent researcher of financial products Best Landlord Insurance provider - What Mortgage Awards Join over 250,000 landlords who trust us with their insurance. What is landlord insurance? Landlord insurance covers the risks you face when letting or leasing a property that standard home insurance may not cover, also known as buy to let insurance, it covers you for damage to the buildings or to your contents against a range of perils such as flood, fire, burst pipes or storm. You can also choose from several optional covers like accidental damage, loss of rent, landlord emergency and legal expenses cover which covers the costs and expenses in dealing with a range of legal matters such as contract disputes, tax and VAT investigations, repossession and eviction of squatters. Voted Best Landlord Insurance Provider at the What Mortgage Awards 2013 – 2021. Add up to 15 properties on one policy, with one renewal date. Your own specialist claims handler, who'll deal with your claim from start to finish. Buildings, Contents and Leaseholder's Fixtures and Fittings cover levels available. Our Landlord Emergency claims line is open 24/7, so we can send help when you need it. Landlord Emergency is an optional cover that can only be added at new business and renewal for an additional premium. Extreme weather conditions may extend response time. Residential properties only. Only insured emergencies are covered. Underwritten by U K Insurance Limited. Get a quote or call us on 0345 303 1763 Confused by an insurance term? Look it up in our jargon buster Click here What does landlord insurance cover in the UK? Our landlord Insurance offers high levels of standard cover, plus options to increase limits and extend your cover if you need to. You also have the flexibility to lower your excess for a higher premium, or increase your excess for a lower premium, whatever works for you. Landlord insurance covers: Standard cover Optional cover Other benefits The following cover types are included in our landlord insurance, as standard: Buildings Insurance, including Boiler Cover. New-for-old Contents Insurance, including Replacement Locks Cover. Fixtures and Fittings Cover – are you a leasehold landlord of a flat? This covers you for damage to permanent internal fixtures that are not insured under the block of flat insurance policy covering the buildings. Glass and Sanitary Ware. Public Liability cover of £2m, with the option to increase. Floor Coverings (up to £5k, with an option to increase). Alternative Accommodation so we'll pay to re-house your tenants following an insured event such as a flood or fire, subject to policy limits. *Either buildings OR contents is standard, not both. Get a quote or call us on 0345 303 1763 Do I need landlord insurance? Your home insurance policy is unlikely to cover activity in your rented property. So, if you want to safeguard your income, it's important to obtain specialist landlord insurance. Although landlord insurance isn't a legal obligation, most buy-to-let mortgage lenders will require you to take out insurance before your tenants move in. What our Landlord customers are saying Customer reviews verified by ReevooTM I can't rate this as it has only been a week and I haven't had to claim yet Nicholas Blackburn Learn more about Reevoo and read more customer reviews here. Assumptions What we assume to be true for you to qualify for this policy Policy documents View and download policy documents here The following policy documents apply to policies that were bought or renewed on, or after 12 March 2020 but before 22 June 2021. Landlord insurance policy (PDF) Landlord insurance policy summary (PDF) The following policy documents apply for policies effective from 22 June 2021 onwards. Landlord insurance policy (PDF) Landlord insurance policy summary (PDF) Get a quote or call us on 0345 303 1763 Landlord tips Fire safety regulations for landlords How to protect your property from water damage A guide to landlord licensing Got more than one rental property? Find out more about our multi-property insurance Read more Letting a commercial property? Learn more about our commercial landlord insurance. Find out more Frequently asked questions Q1 What type of landlord insurance do I need? Q2 What if I rent out more than one property? Q3 What do I need to get a landlord insurance quote? Q4 Won't ordinary home insurance be enough to cover my rental property? Last Updated: 16 Sep 2021 Support: Contact us Accessibility Reviews Legal documents Site map Make a claim Jargon buster Company: About us Cookies Legal & privacy Careers Press Modern Slavery Act Follow us: © 1999-2021 U K Insurance Limited Direct Line insurance policies are underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810. The Financial Services Register can be accessed through www.fca.org.uk. Calls to: 0345 303 0607 and other numbers may be recorded. You are in safe hands By using our website you consent to accepting cookies in accordance with our Cookie Policy. Learn more.