Landlord insurance

What’s covered

• Cover for your bricks and mortar
  Our Buildings Insurance covers damage to the structure of your property caused by things like fires, floods or theft, as well as subsidence, heave of land and landslip.
  
  Permanent fixtures and fittings, such as fitted kitchens and built-in wardrobes are covered too, as are outside spaces like driveways, patios and gates.
• Cover for your contents
  Contents Insurance covers any household items you’ve put into the property such as furniture, carpets or appliances. It doesn’t cover your tenants’ belongings – so they’ll need to take out their own insurance.
  
  Whenever we can, we'll give you unlimited contents cover ^{Footnote [4]}, insuring you for any damage to your belongings caused by fire, theft or flooding (with a maximum single item limit for valuables of £2,000).

• Cover for matching items
  We'll cover the cost of replacing any undamaged items in a set if we're unable to provide an exact match (up to policy limits).

• Replacement locks
  We’ll cover costs of up to £1,000 for replacing locks to your home if the keys are lost or stolen. This covers external doors as well as any alarm systems or domestic safes.
  
• Liability protection for injuries or damage
  As the owner of a rented property, you’re legally required to compensate anyone who’s injured as a result of an accident, if you’re held liable. This also includes damage to their property.
  
  We’ll make sure the costs are covered – with £5 million protection as standard – and if you need help, you can contact our legal helpline to get professional advice any time, day or night.

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered before you get a quote. For example, we don’t cover theft or malicious damage to your contents or property caused by your tenants.

Make sure you take a look at our policy document to see full details of what's not covered.

Read our policy wording (PDF 668 KB)

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

• Additional cover for fixtures and fittings
  While things like carpet and kitchen surfaces are protected from fire or flood damage by our standard combined cover, accidents still can happen. This optional add-on to your policy covers:
  
  • Buildings – accidental damage to any fixed glass, sanitary fittings (like a bathroom sink or shower screen), service pipes and cables
  
  • Contents – accidental damage to non-portable home entertainment equipment, mirrors and glass in furniture (like cabinet doors or coffee tables)
  
  Add this cover by selecting the ‘limited’ level of Accidental Damage cover when you get your quote.

Take a look at our Insurance product information document for more information about the extras available.

Read our Insurance product information document (PDF 82 KB)