What is landlord buy-to-let insurance?

Landlord insurance for buy-to-let properties provides protection from all sorts of damage to your property such as storms and floods, or subsidence or vandalism. If there is major damage to your property like a burst pipe, or a fire, the onus is to get the property fixed and the subsequent bill could run into the thousands. Repairs for a burst pipe could run into thousands of pounds and a fire could destroy your property. Having buy-to-let insurance would protect you from hefty repair bills.

If you’re a landlord, home insurance may not cover you if you’re letting out the premises for a rental income. So, you’ll need dedicated insurance to protect your property. Renting out property can be a risky business, so while you’re not legally required to have landlord insurance for your buy-to-let property, you’ll need to be properly covered if anything goes wrong. Without the right cover, unexpected incidents could leave you seriously out of pocket.

Our landlord insurance cover, from just £120 a year*, is designed for landlords. So, whether you let a small flat, a large house or a portfolio of properties, we’ve got you covered. It’s the protection you’d expect from AXA – for less.


What does landlord buy-to-let insurance cover?

Buildings insurance covers the replacement value of the buildings following damage caused by fire etc. If you find yourself in need of an architect, surveyor or consulting, AXA will cover these fees necessary with our consent.

Property owners’ liability insurance offers flexible cover between £1 million and £10 million, so you can choose the right level of cover for your needs. You’ll also be covered for legal costs and expenses in connection with accidental injuries or deaths that occur on your property.

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, including protection against the loss of rent, for example.

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

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 building 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.


Buy-to-let insurance FAQs

Do I need landlord insurance for a buy-to-let property?

Ordinary home insurance doesn’t meet the needs of rental properties, that’s why you need landlord insurance for your buy-to-let property.

If I’m letting my buy-to-let property out as furnished, will my furniture be covered?

No, you’ll have an option to take out landlord contents insurance to protect everything from the furniture, to electrical or electronic items you provide for your tenants. Your tenants need to arrange insurance for their own contents and belongings.

Why do I need buy-to-let insurance instead of home insurance?

Home insurance policies are designed to cover domestic properties, while landlord insurance is designed to cover rental or commercial properties. If your property isn’t leased to tenants who intent to live in the property, then your home insurance won’t cover any legal liabilities that arise.

How much is landlord buy-to-let insurance?

Buy-to-let insurance depends on the type of property you have, its location and other factors we need to take into account to make sure we give you the right level of cover.

Does my buy-to-let insurance cover loss of rent?

With AXA, we’ve got your back if you suffer from the loss of rent. If you have this optional extra selected, and your property is left uninhabitable due to damage during your time insured with us, we’ll cover your loss.

To find out more, be sure to consult your policy terms and conditions.

Get an online landlords’ insurance buy-to-let quote swiftly and simply today, and you'll receive an automatic 10% discount. And once you're with AXA you'll benefit from an award-winning claims team1 that are on hand to help you when you need them most.

An AXA Landlord Insurance policy can also provide a number of other cover options such as accidental damage cover, employers' liability insurance, contents cover, and loss of rent cover (if your property becomes uninhabitable due to damage).

If you need more information, why not not visit our landlord help and advice section.

Our customers say...

Average rating:
Based on
5 star ratings
4 star ratings
3 star ratings
2 star ratings
1 star ratings

Our customers’ reviews, independently moderated and managed by feefo. Based on 0 total reviews.



*10% of our customers paid this or less between October and December 2021.

1 Our claims team have won leading industry awards at the British Insurance Awards 2012, The Claims Awards 2012, CII Public Interest Awards 2015 and The British Insurance Awards 2015.

Terms, conditions, eligibility and exclusions apply. Underwritten by AXA Insurance UK plc.