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An imposing period red front door with iron railings and an adjacent sash window

Home insurance for landlords

Cover for private letting

Protection for landlords privately letting up to 3 properties1.

Buildings cover

What's covered

What you get as standard

Unlimited *rebuild or repair costs for properties with 5 bedrooms or fewer
*subject to eligibility criteria

Unlimited costs for damage to the structure of your property including its permanent fixtures, outbuildings, boundary walls, drives, paths, gates and pools

Buildings sets and pairs

Up to £10,000 for undamaged items that form part of a set, suite or pair if one item is damaged and can’t be repaired or replaced with a matching item

Loss of rent

Up to £100,000 for loss of rent if your tenants are unable to live in the property due to an event covered under this policy

Tenant re-housing

Alternative accommodation for tenants up to £10,000 if your tenants are unable to live in the property due to an event covered under this policy

Public liability cover

Up to £2 million to cover the cost of a claim made against you for injury or damage that happens on your property

Malicious damage caused by tenants

Protection against malicious damage to your property caused by your tenants up to a value of £5,000

Replacement locks and keys

We’ll cover the cost of replacement locks if your keys are lost or stolen, keeping your property secure – up to £1,000

Optional extras

Buildings accidental damage

Cover for those annoying mishaps caused by you or your tenants such as putting a foot through the ceiling, reversing a car into the garage door, smashing a window with an errant stone whilst mowing the lawn or accidental damage to cables and underground pipes

Buildings protected no-claim discount

Allows 2 claims in 5 years without losing your no-claim discount and your premium won’t be affected as a direct result of those claims

What's not covered

You’ll have to pay the first part of most claims. Your policy schedule will provide details of the applicable excess. Here are some of the things that aren’t covered

  • Damage caused by wet or dry rot
  • Gates, fences or hedges blown down in a storm
  • Certain damage that happens when your property is unoccupied for more than the number of days permitted by the policy
  • Damage to cables or underground pipes due to a fault or limit of design, manufacture, construction or installation
  • Theft by tenants

The policy document [PDF, 642KB] provides full details of what is and isn’t covered. The list we’ve shown above is only intended as a guide.

This could suit you if

  • You want to insure a property you rent out to someone

Try our other options if

  • You own and live in your property
  • You're renting your home from someone else
  • You want to insure a second home or holiday home

What you’ll need to get a quote

  • Details about the structure of your rental property and the approximate year it was built
  • Your past 5 years’ claims history on home insurance
  • If the property has more than 5 bedrooms, the cost to rebuild it (this isn’t the same as its market value)

Contents cover

What's covered

What you get as standard

Unlimited sum insured* for your possessions while they’re in your property
*subject to eligibility criteria

Unlimited sum insured against theft or damage to your possessions – no need to specify the level of cover

Contents sets and pairs

Cover for undamaged items that form part of a set, suite or pair if one item is damaged and can’t be repaired or replaced with a matching item

Malicious damage caused by tenants

Protection against malicious damage to your property caused by your tenants up to a value of £5,000

Loss of rent

Up to £10,000 for loss of rent if your tenants are unable to live in the property due to an event covered under this policy

Replacement locks and keys

We’ll cover the cost of replacement locks if your keys are lost or stolen, keeping your property secure – up to £1,000

Optional extras

Contents accidental damage

Cover for those little accidents, caused by you or your tenants, such as spilling red wine on your carpet

Contents protected no-claim discount

Allows 2 claims in 5 years without losing your no-claim discount and your premium won’t be affected as a direct result of those claims

What's not covered

  • Damage caused by wear and tear
  • Accidental damage – wider cover is available as an add-on (contents accidental damage)
  • Theft by your tenants
  • Certain damage that happens when your home is unoccupied for more than the number of days permitted by the policy
  • Possessions taken outside the property
  • Motorised vehicles, aircraft, caravans, boats or any other kind of water vehicle

The policy document [PDF, 642KB] provides full details of what is and isn’t covered. The list we’ve shown above is only intended as a guide

This could suit you if

  • You want cover for your contents that are in your rental property

Try our other options if

  • You only have a few possessions in your rental property (starter contents cover maybe more suitable)
  • You're renting from someone else and want to insure your possessions in your home
  • You own and live in your property and want to insure your possessions in your home

What you’ll need to get a quote

  • Details about the type of property you’re letting, eg whether it’s a flat or a house
  • Your past 5 years’ claims history on home insurance

Starter contents

What's covered

What you get as standard

Cover for your possessions while they’re in your property

Sum insured limits from £2,000 - £15,000

Malicious damage caused by tenants

Protection against malicious damage to your contents caused by your tenants up to a value of £1,000

Replacement locks and keys

We’ll cover the cost of replacement locks if your keys are lost or stolen, keeping your property secure – up to £1,000

Optional extras

Contents accidental damage

Cover for those little accidents, caused by you or your tenants, such as spilling red wine on your carpet

Contents protected no-claim discount

Allows 2 claims in 5 years without losing your no-claim discount and your premium won’t be affected as a direct result of those claims

What's not covered

  • Damage caused by wear and tear
  • Accidental damage – wider cover is available as an add-on (contents accidental damage)
  • Theft by your tenants
  • Certain damage that happens when your home is unoccupied for more than the number of days permitted by the policy
  • Possessions taken outside the property
  • Motorised vehicles, aircraft, caravans, boats or any other kind of water vehicle

The policy document [PDF, 642KB] provides full details of what is and isn’t covered. The list we've shown above is only intended as a guide.

This could suit you if

  • You want to protect your things in your rental property but don’t have enough possessions to justify the full amount provided by contents cover

Try our other options if

  • You have lots of possessions in your rental property (contents cover maybe more suitable)
  • You have a lot of valuables with a high single-item value
  • You're renting from someone else and want to insure your possessions in your home
  • You own and live in your property and want to insure your possessions in your home

What you'll need to get a quote

  • Details about the type of property you’re letting, eg whether it’s a flat or a house
  • Your past 5 years’ claims history on home insurance

 

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