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Landlord Insurance

Standard home insurance is not enough to cover landlords. You’ll need specialist landlord insurance to ensure that your buildings, fixtures and fittings, and even your rental income are protected when letting out your property.

Whether you’re an experienced buy-to-let landlord or one of the increasing number of ‘accidental’ landlords who have acquired a property you cannot sell, you will need to protect your investment. This is where Quoteline Direct’s landlord insurance can provide the right cover to meet your needs.

What does landlord insurance cover?

The basic covers you will need include:

Buildings cover is essential for buy-to-let property with a mortgage, as most lenders will require it as a minimum. It can come to your aid should your property suffer structural damage as a result of fire or flood, or accidental or malicious damage by your tenants (depending on your insurance policy). You can also be covered for escape of water (through burst pipes, for example).

Contents cover can be particularly beneficial for landlords letting out furnished property, as it is designed to cover landlord’s contents such as furniture, floor coverings and electricals.

Public Liability insurance helps to provide cover should a tenant or member of the public make an injury claim against you while they are in your rental property. Your legal costs and damages can also be covered under this policy.

Can I protect myself against loss of rental income? And can I cover legal expenses?

Yes. With Quoteline Direct’s optional rent guarantee and legal expenses insurance, you can recover lost rent when tenants have defaulted on payments, with different levels of cover available to suit your needs and budget.

Legal fees can be very costly when it comes to evicting tenants, for example. It’s easy to make mistakes without the correct support. That’s why it’s worth considering our legal expenses cover, to reduce the chances of issues and speed up the process when you need to take legal action against tenants.

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What is included with Quoteline Direct Landlord Insurance?

There are a range of benefits when you take out landlord insurance with Quoteline Direct:

  • Choose buildings or contents insurance alone, or combined buildings and contents
  • All types of property considered: traditional homes, flats, HMOs, holiday homes, commercial property and more
  • Students, professionals, government housing benefit claimants (DSS) and asylum seekers covered
  • Access to a range of insurers for great value cover
  • Optional cover for loss of rental income and legal expenses
  • Optional cover for malicious damage by tenants
  • Cover for periods of inoccupancy (terms subject to insurer)
  • UK customer support team

Landlord Insurance frequently asked questions

Can I get landlord insurance online?

Yes. You can get a quote for your property and purchase online with us, or come back and retrieve your quote to buy later.

Do you cover multiple properties?

Yes, we do. While you can get a quote online for a single property, we can also provide cover for portfolios of property. Call us on 0161 874 7747 to speak to a consultant.

Do you cover HMOs?

Yes. We can cover property such as student lets, for example, and we can also cover bedsits. It is best to speak to us about your property to see if we can cover your specific property, so call 0161 874 7747 to speak to a consultant.

How far ahead of renewal can I get a landlord insurance quote?

You can get a quote up to 30 days before your landlord insurance policy is due to renew. The quote is valid for 30 days after it is given.

Can I get a no-claims discount on my landlord insurance?

Yes, you can. Many insurers offer discounts if you have not claimed on your buildings or contents policy for a year or more. This discount will be included in any quote you receive from Quoteline Direct.

What payment options are available?

You can pay by credit or debit card, bank transfer, or arrange a monthly repayment plan by Direct Debit (subject to status).

 

For an online Landlords buy to let insurance quote click here or call 0161 874 7747 to speak to a consultant.

Get your quick quote and start saving now