Buy To Let Insurance

Buy-to-let insurance protects your investment property against unexpected events. Compare buy-to-let insurance quotes and get the cheapest deal with CIA Landlords.
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What is buy-to-let insurance?

Buy-to-let insurance is more specialised than standard home insurance. If something goes wrong with your property, buy-to-let home insurance will provide cover and minimise any potential risks associated with letting your property.

Buy-to-let landlord insurance covers a variety of situations including loss of rent and property owners liability.

What does buy-to-let insurance cover?

Typically, buy-to-let home insurance policies will cover you for the following:

  • Contents insurance - Whether you're letting out a fully or part-furnished property, you may want to protect items you leave for the tenant to use. Carpets, curtains, free-standing white goods and furniture can all be insured against damage.
  • Buildings insurance - This will cover damage as a result of common perils such as floods, fires, and burst pipes. This includes damage to the structure of the property as well as any permanent fixtures such as kitchen cabinets.
  • Loss of rent - This feature will cover loss of rental income for periods where the property is uninhabited due to an insured peril.
  • Alternative accommodation expenses - This will cover the cost of rehousing tenants if the property is no longer fit to live in as a result of an insured peril.
  • Liability insurance - This covers your legal liability as the property owner.
  • Legal Protection - This will assist you in evicting a tenant who refused to leave the property after the eviction notice has been served.

The cost of landlord insurance will depend on the features of the property and its location, so purchase your buy-to-let in an area with low crime rates if possible. Check out our area guides to find the best places to be a landlord in your region.

What isn't covered?

  • Wear and tear
  • Pet damage
  • General maintenance issues
  • Illegal activities

Our expert says...

Misty Reeve - Assistant Sales General Manager

Why do I need buy-to-let insurance?

In an ideal world, every buy-to-let would remain in perfect condition. However, the reality is that you need buy-to-let insurance to cover you against things happening in the property when you do not live there.

Taking out insurance allows you to rest easy knowing that your rental property is secure against standard perils. Should the unexpected happen, covering potentially hefty rebuild costs will be one less thing you have to worry about.

How much does buy-to-let insurance cost?

The cost of buy-to-let insurance is affected by many factors so, we recommend you compare numerous buy-to-let insurance quotes to find the right deal. In general, the cost depends on:

  • Level of cover - As you increase your cover, premiums will also rise.
  • Property location - Crime rates in the area will be considered by insurers.
  • Property size and age - The cost of potential repairs will be affected by these factors.
  • The type of tenancy agreement
  • Your claims history - Insurance will be higher if you have previously made a claim.
  • Payment method - It's cheaper to pay annually rather than monthly.

Why choose CIA Landlords?

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