* 10% of our customers paid this or less between April and June 2020.

What is landlord buy-to-let insurance?

Landlord insurance for buy-to-let properties provides protection from all sorts of damage to your property like subsidence or vandalism as well as storms and floods. If there is major damage to your property like a burst pipe, or a fire, the onus is on you to pay the bill. 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 buy-to-let landlord, you’ll need more than just home 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 buy-to-let 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?

Buy-to-let policies include: property owners’ liability cover, employers' liability insurance and buildings insurance. It also includes loss of rent cover, which will protect you if your property suffers damage and becomes uninhabitable as a result.


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.

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.

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

  • You’ll need your property’s build date
  • The duration of the tenancy
  • Your property’s rebuild cost, bearing in mind the cost won’t be the same as the market value of your property
  • Types 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

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 visit our landlord help and advice section.

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*10% of our customers paid this or less between April and June 2020.

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.