*Valid for new customers only. Not valid on renewals. Discount valid only during the promotional period from Monday 15th of September until Friday 31st October, 2025
What is landlord buy-to-let insurance?
As a landlord, protecting your investment property is a high priority since renting out your flat or house can be a risky business and standard home insurance doesn’t cover landlords who rent out their properties to tenants.
That’s because this type of cover is specifically designed to protect you against any unforeseen events such as storms, floods, fires etc. You’re also covered for up to £5,000 in vandalism damage caused by your tenants.
Some of the main differences between home insurance and landlord insurance are:
- Purpose: Home insurance protects a homeowner's personal residence; landlord insurance is for property owners renting out their property.
- Personal Property: Home insurance covers personal belongings in the home; landlord insurance does not cover tenant's personal property.
With AXA’s buy-to-let insurance, your policy can be tailored to suit your property portfolio, whether you’re letting one, or multiple, properties at once.
What does landlord buy-to-let insurance cover?
With AXA’s buy to let insurance, you can tailor your policy to suit the type of property you rent out and the risks you want to protect against.
This includes:
Buildings
Essential cover that helps pay to rebuild or repair your rental property if it's damaged by fire, flood, storm etc, or vandalism caused by your tenant. This usually includes the structure of the property itself and permanent fixtures like kitchens and bathrooms.
Property owners' liability
Provides protection in cases where negligence has resulted in injury or property damage at your property. For example, if a tenant trips over a broken step or a falling tile causes damage, this coverage helps cover compensation and legal expenses. You can select coverage amounts ranging from £1 million to £10 million.
How much does buy-to-let insurance cost?
AXA’s landlord insurance policies start from £164** per year for a single property, but the actual price you’ll pay will differ based on your specific circumstances.
**10% of our customers paid this or less between March and June 2025.
Factors that influence the cost of your insurance include:
- Property details: The age, type, and location of your property.
- Number of properties: You can insure up to 10 with our standard policy.
- Level of cover: Additional options including contents insurance or loss of rental income will increase the premium.
- Claims history: Any previous insurance claims related to the property can impact the cost.
Do I need buildings insurance for my buy-to-let property?
Yes – although not legally required, and a standard home insurance policy won’t cover you. If you own a property that you rent out, buy-to-let buildings insurance is essential to protect yourself against damage – it’s also something that may be a requirement of your buy-to-let mortgage.
Optional extras include:
Loss of rental income
If your property becomes uninhabitable for tenants due to a serious and unavoidable event (like a fire or flood), you can be compensated for the rent lost if the tenant stops paying rent while repairs are carried out.
Contents insurance
Cover that protects any furnishings, including your furniture, white goods, electrical equipment, and fixtures provided for tenants to use while living there.
Glass replacement service
Broken glass? Not to worry, Landlord Insurance offers a 24-hour replacement service to quickly fix windows, doors, or partitions – minimising disruption for you and your tenants. Please note: we will cover the costs if your claim is successful; if not, then the tenant will be responsible for covering the costs.
Multi-property buy-to-let cover
Manage your property portfolio with ease by insuring up to 10 rental properties under a single policy.
Is landlord insurance required by law for buy-to-let properties in the UK?
No, there is no legal requirement for buy-to-let owners to get landlord insurance.
However, most mortgage providers will require buildings insurance as a condition of your mortgage, especially if the property is under a buy-to-let mortgage agreement.
What details do I need to get a buy-to-let insurance quote online?
Getting a buy-to-let insurance quote is simple, and to help you get started, here are a few key details we’ll need from you:
- Your property’s build date and the type of building
- When you bought the property
- The property’s full postal address
- Your property’s rebuild cost (bearing in mind the cost won’t be the same as the market value of your property – find out more about calculating rebuild costs in our guide to underinsurance)
- History of past insurance claims or incidents related to the specific property you want to insure (within the last five years)
- Insurance needs and the type of cover you require, such as buildings insurance, contents insurance, or additional options like loss of rental income
Got everything you need? Click below to get a quote started.
How do I insure the fixtures and fittings in my buy-to-let property?
Fixtures and fittings, such as built-in kitchen units, bathroom suites, and white goods or appliances, can be covered through two types of insurance available from AXA.
Choose from:
Buildings insurance
This protects the structural elements of your rental property, including items permanently affixed that cannot be easily removed. This will include things like bathrooms, kitchen units, cookers, ovens, etc.
Contents insurance
Protect the belongings or moveable furnishings you provide for tenants. This could be things like sofas, beds, wardrobes or standalone appliances.
Buy-to-let insurance FAQs
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**10% of our customers paid this or less between April and June 2025.
Terms, conditions, eligibility and exclusions apply. Underwritten by AXA Insurance UK plc.