Buildings & Contents Insurance
Landlord Buildings & Contents Insurance
Protect your investment with our Defaqto 5 Star rated landlord buildings and contents insurance. We work with landlords to search the market for the best cover and price with the UK’s leading insurers.
Our policies cover buildings, contents, accidental damage, loss of rent and liability. Why not protect your investment and sleep easy for just a few pence per day?
Need cover for multiple properties?
Call us for a quote on your portfolio and let us help you find the best solution for your needs.
Do I need Landlord Insurance?
Although you are not legally required to have landlord insurance, if you want to safeguard your investment and income, it’s important to obtain specialist landlord insurance. A standard home insurance policy is unlikely to cover activity in your rented property. Also, most buy-to-let mortgage lenders will require you to take out insurance before your tenants move in.
Frequently Asked Questions
What's the difference between Buildings Insurance and Contents Insurance?
Buildings Insurance covers the property itself, and any outbuildings and garages within 100 metres of the property. It also provides protection for fixtures and fittings in the building, such as a fitted wardrobe, built in appliances or hardwood floors. Contents Insurance covers ‘moveable’ items such as ornaments, free standing furniture, and carpets.
Which insurer underwrites my policy?
Our Buildings and Contents policies are underwritten by various major insurers including AXA, Legal and General, RSA, GEO and UK General. We will notify you of the specific insurer when we provide you with a quotation and again prior to inception of your policy.
How much should I insure my rental property for?
To know the level of buildings cover that is right for you, you’ll need to know the cost of rebuilding the property. This can normally be found on the lender’s valuation or can be provided by a surveyor. The rebuild cost of the home isn’t the same as the purchase price of the home; neither the price you paid nor the price you would sell it for.
What does new for old mean?
If an item has been damaged and cannot be economically repaired, we’ll replace it with a new one of similar quality.
Can I rent to students or those on benefits and still be covered?
The policy is designed to cover both tenants funding rent through a benefits agency and students, so we’ll still provide cover, however it may be subject to an additional premium.
How long can my property be unoccupied for without affecting cover?
Full cover remains in place during the first 45 days of cover, after this point an excess of £500 will apply to certain claims. If the property is unoccupied for more than 90 days some risks, for example Escape of Water, will not be covered. For full details of cover and exclusions please read the policy documents.
What happens if tenants are unable to live in the property?
If the property becomes uninhabitable due to an insured event, such as a fire, flood, or storm damage, then we’ll pay for agreed accommodation expenses and loss of rent up to £200,000 until the property is restored to normal living conditions.
If my tenant's keys to the property are stolen would I be covered?
We’ll pay up to £1,000 regarding the theft of the keys to the outside doors of the property.
Is there an excess fee?
There may be excesses to pay and you can chose the excess levels during your quotation.
Can I cancel my policy?
Yes. You can cancel your policy at any time by calling or writing to us on the details shown in the policy documents. If having taken out a policy and after examining it, you decide not to continue with it you have a statutory right to cancel. During this cooling off period you can cancel the policy back to the start date without charge and with a full refund of any premiums already paid, unless you have made a claim during this period.
Looking for a competitive quote?
Call us on 0345 548 1101 or complete the contact us form and will call you straight back.
Need to Claim?
Logging a claim is quick and easy.
You can log a claim in your customer portal 24 hours per day 365 days of the year.
Alternatively, you can telephone us on 0345 548 1101.
Please make sure you have complied with the policy wording to ensure that the insurer accepts and resolves your claim in a timely manner.