What is Buildings Insurance?

If your buy-to-let property is unfurnished and without contents, you can take out an insurance policy that covers buildings only.

Buildings Insurance covers the 'bricks and mortar' of your property up to £4 million.

It can help cover the cost of accidental damage, subsidence, and some of the other costly claims that landlords face.

Your Buildings Insurance policy covers you for damage to your building caused by things like:

• Fire
• Adverse weather
• Flooding
• Malicious damage
• Burst pipes

Buildings Insurance includes fixtures and fittings to outdoor areas such as swimming pools, tennis courts, walls, gates, fences, patios, terraces, drives, yards, car parks and ports, roads, pavements, and the underground pipes and cables you’re responsible for.

There are extra benefits to your Buildings Insurance, from the repair cost for a garden accessed by emergency services to the professional removal of a bee's nest. These benefits give you peace of mind when you're faced with unusual scenarios that could affect your property.

If you choose only Buildings Insurance, you can add contents cover at any time if you need to.

What does Direct Line's Landlord Buildings Insurance cover?

Standard cover

Buildings Insurance cover includes:

• Up to £4m Buildings cover, including Boiler Cover
• Insure up to 15 properties on a multi-property policy

Optional extras

You can add optional extras to your policy for an additional cost, such as:

• Accidental damage for Buildings when you've insured them
• Legal expenses cover up to £250,000 (including repossession cover)
• Cover for the cost of loss of rent if your property becomes uninhabitable after a fire or flood

How can I get insured?

Churchill no longer offers Landlord Insurance but our friends at Direct Line do.

Go to

Direct Line and Churchill are both underwritten by U K Insurance Limited.