Buy-to-let insurance

*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 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.

While buy-to-let insurance is not legally required, it is highly recommended that you get cover so that you’re protected in the event that something should go wrong with your property.

There are several things that buy-to-let landlord insurance protect you against, such as:

• Accidental damage to your property
• Damage to any fixtures and fittings
• Cover for your contents
• Fire damage
• Lightning and/or storm damage
• Loss of rental income

What does landlord buy-to-let insurance cover?

With AXA, we know how important your rental properties are to your livelihood. That’s why we have a variety of optional extras you can also add to your policy, these include:

Multi-property cover

If you’re a seasoned property owner with multiple investments under your belt, then our cover may be exactly what you’re looking for. With our landlord cover you can insure up to 10 properties on a single policy – letting you keep everything you need in one single place.

Rental income

If your property becomes uninhabitable for reasons beyond your control – for example, fire flood or storm – we will provide cover for rental income your stand to loose if when your tenants can’t stay in your property.

Glass replacement service

Broken glass? Not to worry, Landlord Insurance offers a 24-hour replacement service which can fix windows, doors, or partitions. 

What do I need to get a buy-to-let insurance quote?

• Your property’s build date

• The property’s full post code

• Your property’s rebuild cost, bearing in mind the cost won’t be the same as the market value of your property

• If your premises are an HMO, we’ll need to know the type of tenants occupying your property

• Details and cost of any claims or incidents you’ve made in the last five years. We only require details of the property you want us to insure

No, there is no legal requirement for buy-to-let owners to get landlord insurance. However, you may find that many lenders will require you to have landlord insurance in order to get a buy-to-let mortgage for your property.

How do I insure my fixtures and fittings?

With AXA, you can choose between two types of insurance to protect your property. Choose from:

Buildings insurance 

Cover for the construction and shell of your property. It’ll protect your building in case of fire, lightning, or storm damage. Fixtures and fittings (defined as things that cannot be moved from the property) are generally covered by buildings insurance. 

Contents insurance 

Cover for the things you fill your property with – i.e., anything which can be removed from the property. It’ll cover your sofas, white goods, furniture, electrical equipment, and other houseware.

10% of our landlord customers paid from £164** for their cover between October and December of 2023.

Every landlord policy is different and so is their price. There are several things that influence the cost of your policy, here are a few of the most common.

• How my properties you are insuring – you can cover up to 10 with our standard policy
• What type of property you’re insuring
• Where your property is located
• How old your property is
• If you have added any optional additional covers

To find out how much you’re likely to pay for cover with AXA, you can get a quote online now.

**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.