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Buy to let Property Insurance

Buy to let property insurance, also known as buy to let house insurance, is a form of property insurance designed to protect landlords from loss or damage relating to property ownership. In a conventional buy to let mortgage arrangement, property is purchased or refinanced with the intention of being let to tenants rather than being lived in by the borrower.

What is buy to let property insurance?

This type of insurance is advised for landlords who require more protection than standard home insurance. Buy to let home insurance typically includes standard buildings cover together with accidental damage cover, legal cover, repairing damage cover, loss of rent cover, and property owners’ liability cover among other protections. Here at 1st Choice Insurance, we can tailor buy to let house insurance to meet your needs as a homeowner.

Who needs buy to let property insurance?

Buy to let landlord insurance is recommended for anyone who is renting out a private home or investment property. While standard buildings and contents insurance covers many eventualities, they are unlikely to cover all of the risks faced by homeowners who are also acting as landlords. For example, it’s important to protect yourself against the cost of emergency repairs and damage from things like gas leaks and pest infestations. It’s also important to stay protected in the case of malicious or accidental damage from tenants, both for the building you own and the contents inside.

Legal cover is also provided in many buy to let contracts, with property owners’ liability protecting you if a tenant or member of the public is injured on your property. The importance of this cover cannot be underestimated, with legal cover not included in most standard buildings and contents insurance contracts. Other protections included in insurance contracts include employer’s liability, loss of rent cover, and loss of income cover among others. Buy to let landlords insurance is available in many configurations, with homeowners and landlords able to tailor contracts to meet their specific needs.

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Benefits of buy to let property insurance

Buy to let property insurance provides a number of key benefits over standard buildings and contents packages. While property investing can be an exciting business to be involved in, it can also be challenging and highly risky. Whether you own a single property or you’re starting a large portfolio, many of the risks you face on a daily basis are not covered by standard household insurers. Here at 1st Choice Insurance, we can tailor investment property insurance contracts to meet your needs as a landlord and homeowner.

Get a great insurance quote

If you’re looking for buy to let landlords insurance cover from a leading property insurance company, 1st Choice Insurance is here to help. Call our friendly, experienced team on 0800 078 7003 – 0300 600 0603 for a no-obligation insurance quotation or use our Get a Quote Form to request a call back.