Reasons to choose Direct Line Landlord Insurance

• £2 million Public Liability Cover as standard, you can increase it to £5 million or £10 million
• Choose from Buildings, Contents or Buildings and Contents Cover
• Rent Arrears cover - if your tenants can’t pay
• Landlord Boiler Cover with Buildings Insurance (doesn't include boiler servicing)
• Floor coverings insured for up to £5,000
• Access to a 24-hour legal advice line
• Optional covers available to make the policy work for you

What is Landlord Insurance?

Home insurance isn’t designed for rental properties, so getting the specialist cover you need to protect you from unexpected costs and damage to your buildings and contents is important.

Landlord Insurance covers you against the risks of renting or leasing a property, and letting to a third-party business.

Whether you're a commercial or residential landlord or considering renting out a property, you can get flexible cover to suit your needs and help keep your investment safe.

Landlord Insurance covers you for things like floods, fires, storms or burst pipes.

You can also choose to include extras like boiler cover, rent arrears cover (for residential properties only) and accidental damage cover to your policy.

Do I need Landlord Insurance?

If you’re a landlord or thinking about investing in a rental property, it's essential to have the right level of insurance in place.

Even though it isn’t a legal requirement, most buy-to-let lenders will want you to have Landlord Insurance in place before your tenants move in.

What does Direct Line's Landlord Insurance cover?

Landlord Insurance offers you cover for your buildings and your contents.

You can insure them separately or together on the same policy.

Buildings Insurance

If your buy-to-let property is unfurnished and doesn’t contain any contents, you can take out an insurance policy for the building only.

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

It includes cover for things like fire damage, burst pipes, subsidence and vandalism.

Find out more about Buildings Insurance

Contents Insurance

If you’re a residential Landlord with a furnished or part-furnished property, Contents Insurance covers against the cost of replacing or repairing damaged furniture or free-standing appliances.

Landlord Contents Insurance can cover you for up to £250,000 of damage to furniture, fixtures, and fittings that don’t form a permanent part of your property’s structure.

This includes things like fridges, freezers, washing machines, tables, and floor coverings.

Find out more about Contents Insurance

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.

What types of Landlord Insurance are there?

Residential Landlord Insurance

Choose Residential Landlord Insurance if you rent out a property to residential tenants.

This will cover the buildings and contents you can insure together or separately and the cost of rehousing tenants if the property is damaged.

Commercial Landlord Insurance

Commercial Landlord Insurance covers you if you let out a property to a third-party business, for example an industrial unit or shop.

Commercial properties are often built differently from residential properties and face different risks that a residential landlord policy won’t cover, including heating systems.

Buildings Insurance is compulsory for commercial premises.

Multi-Property Landlord Insurance

Select Multi-Property Landlord Insurance if you own multiple properties, or have a mixed portfolio of residential and commercial buildings.

You can insure up to 15 properties on a single policy.  

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.