Buy To Let Insurance

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Compare buy-to-let insurance quotes from UK’s leading landlord insurers including:

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Why Compare Cheap Buy-To-Let Insurance Quotes With SimplyQuote

To get a good deal on your buy-to-let insurance, you have to compare quotes. Yet, this can take ages and if you do it yourself, you might not get the results you’re looking for.

At SimplyQuote, we think you should have more time to take care of important things like renovating your new property. So, use the comparison tool to quickly compare buy-to-let insurance quotes from the UK’s leading providers.


What Do You Need To Get A Quote?

Why Do You Need Buy-To-Let Insurance?

What Does Buy-To-Let Insurance Cover?

What Add-Ons Are Available For Buy-To-Let Insurance? 

You can tailor your buy-to-let properties insurance plan to your specific needs. You can usually add the following to your plan at little extra cost:

Unoccupied property insurance

This protects your property when there are no tenants staying in it. This is one of the most important types of insurance to have as the risks posed to an unoccupied property are double that of an occupied property. People often have difficulty making a claim without this type of insurance.

Alternative accommodation cover

If your tenants need to move out due to an insured event, this covers that cost.

Landlord home emergency cover

Every landlord needs this type of insurance. It covers costs incurred in an emergency situation. Covered events usually include power cuts, burst pipes, and broken doors.

Malicious damage insurance

This covers the cost of fixing any deliberate damage to your property, including damage done by tenants.

How Much Does Buy-To-Let Insurance Cost?

How Can You Get Cheaper Insurance Rates?

Managing buy-to-let properties can be stressful and expensive. So, the last thing you want is to be paying really high insurance premiums when they could be lower. Fortunately, there are several steps you can take to reduce the amount you pay, such as:

Improving security measures

You can reduce your premiums by installing security measures like locks, burglar alarms, and safes. These all make your property less risky in the eyes of an insurer.

Pay a higher excess

If you choose to pay a higher voluntary excess, your premium payment amounts should come down. However, you need to be sure you can afford to pay the excess amount if you do need to claim.

Maintain a good claims history

Try to avoid claiming on your buy-to-let or any other landlord insurance policy. With each claim, your insurance premiums will increase. This is particularly true for large, expensive claims.

Pay annually rather than monthly

The majority of insurers will give you a small discount if you pay for your policy in one lump sum each year, rather than paying it monthly.

How To Compare Buy-To-Let Insurance Quotes With SimplyQuote?

Compare buy-to-let insurance services with SimplyQuote in four easy steps:

  1. Fill in the short form: Tell us about yourself, your property, and your location.
  2. Choose policy add-ons: Choose which additional cover add-ons you want.
  3. Compare quotes: Find a quote to suit your budget and buy-to-let insurance needs.
  4. Save money: Get the best deal to start saving today.
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Frequently Asked Questions

What is buy-to-let insurance?

Buy-to-let insurance is a type of landlord insurance that covers residential rental properties. It’s specialised insurance that covers landlords for risks that aren’t usually covered by regular homeowner’s insurance policies.

Is it a legal requirement to have buy-to-let insurance?

Having buy-to-let insurance is not a legal requirement. But most trustworthy mortgage lenders will require that you have this kind of policy if you are applying for a buy-to-let mortgage as it protects both your investment and their repayments.

Policies are always changing, and in some cases, standard home insurance no longer covers a rental property that you don’t live in. In this case, buying a buy-to-let landlord insurance policy is the only way to protect your investment.