AXA Landlord Insurance for Co-operative Bank customers
- Got a varied portfolio? Cover up to 10 properties on a single policy
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Property is an investment and it’s one worth protecting, but where do you start? Landlord insurance is designed to protect residential properties that are rented out to tenants. Plus, with AXA, you can protect up to 10 properties on a single policy.
What is landlord insurance?
Landlord insurance is a cover that is there to make sure if your need to repair or rebuild your property, you can. Buildings insurance is included as standard, and you’ll also be covered if someone gets accidentally injured on your property.
Suited to:
Those who own a property that they intend to rent out for commercial income.
Protects you from:
Accidental damage to your property, and claims may by a third-party of accidentally injury.
Cover limits:
Maximum cover of £10 million (for larger portfolios).
Covered for:
- Up to 10 properties on a single policy
- Accidental damage to your buildings (up to £10 million)
- Accidental damage to contents – e.g., furnishings and appliances (up to £75,000)
Useful to know:
- You’ll need landlord insurance to secure a mortgage with most providers
- Your tenants’ personal belongings won’t be covered by your policy
- Home insurance will not cover a buy-to-let property
Suited to:
Those who own a property that they intend to rent out for commercial income.
Protects you from:
Accidental damage to your property, and claims may by a third-party of accidentally injury.
Cover limits:
Maximum cover of £10 million (for larger portfolios).
Covered for:
- Up to 10 properties on a single policy
- Accidental damage to your buildings (up to £10 million)
- Accidental damage to contents – e.g., furnishings and appliances (up to £75,000)
Useful to know:
- You’ll need landlord insurance to secure a mortgage with most providers
- Your tenants’ personal belongings won’t be covered by your policy
- Home insurance will not cover a buy-to-let property
Some landlords may be unable to get a quote online
Landlord policies can cover any of the following property types:
Benefits of landlord insurance
As standard, you’ll get:
Property owners’ liability cover
protects you against third-party claims – for example, if someone injures themselves on your property
Cover for up to 10 properties in one policy
add up to 10 properties when you get a quote online
Subsidence, ground heave and landslip cover
land shifts under your property can cause considerable structural damage, but with this cover (which is a requirement of some mortgages), we’ve got you covered
Buildings insurance
covers the cost of repairing or rebuilding your property if it has been damaged due to circumstances such as fire, flooding, or storms
Cables and underground pipes cover
we’ll pay you for the costs incurred following damage to pipes or cables, including essential utilities such as electricity, gas and water
Cover to re-house your tenants in alternative accommodation
if your property can’t be accessed or lived in due to damage, and your tenants don’t already have this cover under their own insurance, we’ll look to re-house them in the event of a valid claim
What doesn’t landlord insurance cover?
There are certain things that landlord insurance doesn’t cover as standard. Here are a few of the most common.
What’s not covered:
- Common wear and tear: damage to your property caused by natural aging or standard use
- Your tenant’s contents: only contents you’ve supplied to a tenant are covered, and you must choose this cover when getting your quote.
- Unoccupied buildings (over 45 days): after which your cover will be reduced and an unoccupancy condition applied. Certain types of damage are excluded if the property is unoccupied.
Some landlords may be unable to get a quote online
There are a few exceptions when it comes to online quotes. This will only affect you if you’re trying to cover:
- More than 10 properties
- A mixed portfolio of commercial and residential properties
- A property outside the United Kingdom
If you do, we’ll need to get some more details from you to make sure we can give you a quote that meets your needs. You can call us now on 0330 159 1522*
How to avoid underinsurance
Underinsurance happens when the rebuilding sum you’ve given us isn’t accurate. This can happen for the following reasons:
- Valuing assets incorrectly – i.e., not accounting for inflation or the work you’ve undertaken previously
- Excluding the costs of repairing or rebuilding your property, such as debris removal, etc.
- Not considering the cost of rebuilding an older property to a modern standard of construction
- Not counting the cost of professional involvement – i.e., planning works, architectural fees, landscaping, etc.
Ready to get started?
If you’re ready to get cover today, then simply click the button below and get started with your Landlord Insurance quote.
What else AXA can help you with
Do you have a business that you need protect? Or maybe you have a Van that you need protect? Either way, AXA is here to help.
Qualifiers
All links and statistics corrected at the time of publishing 31/05/2026