Buy To Let Insurance
Keep buy to let insurance simple with Total Landlord Insurance - with home insurance policies that are easy, effective and excellent value.
Buy to let Insurance
At Total Landlords Insurance you have the option of two easy to understand buy to let insurance policies - the Essential package and the Premier policy.Our Essential insurance policy provides the minimum level of cover you need as a buy to let landlord with key features such as full cover between tenancies, loss of rent or alternative accommodation and property owners liability cover.
- Accidental Damange to Glass and Sanitary Fittings*
- Full cover between Tenancies - up to 30 days*
- Theft by Violent and Forcible Entry Only
The Premier landlord insurance policy goes further, offering a superior level of cover for complete peace of mind with features such as cover against theft by tenants and/or guests, malicious damage, denial of access and property disputes.
- Accidental Damage by Tenants and/or Guests*
- Malicious Damage by Tenants and/or Guests*
- Full Cover between Tenancies - up to 90 days*
*Subject to policy terms and conditions
If you would like further information on either policy, you can compare them here.
Buy to let buildings insurance
Protecting your investment is a priority for any buy to let landlord. Our policies can cover you against risks such as fire and flood, but you can also obtain protection from malicious and accidental damage. If your property is severely damaged causing your tenants to vacate, we can also provide full cover between tenancies of up to 90 days, alternative accommodation or loss of rent cover - this is ideal if you have a buy to let mortgage and need to keep up with your payments.
Insuring your contents
If you are letting your property as furnished it's important that you protect the contents with a suitable insurance policy. Typically, standard contents insurance will not provide the cover that you require, making it vital to have it included as part of your specialist buy to let insurance policy. Both of our policies include elements of contents cover such as tables, chairs, sofas as well as any other items that you leave for your tenant, from risks such as theft, malicious damage and break-ins.
A fundamental constituent in any buy to let insurance policy is protection against liability, as no matter how capable you are as a landlord, in today's litigious society it pays to protect yourself from liability claims. Our two policies both include elements of liability cover which covers the costs incurred should someone injure themselves within your property - The Essential package provides property owner's liability up to a £2,000,000 limit of indemnity, whilst the Premier policy offers Property owner's liability (up to £5,000,000 limit of indemnity) and can also include Employer's liability (up to £5,000,000 limit of indemnity).
How can Total Landlords Insurance help?
If your property portfolio ranges from 1-5 properties, simply complete a quick quote and we can give you an idea of your buy to let insurance premium within a minute. If you have a larger portfolio of properties, our insurance experts are on hand to provide tailored quotes based on your requirements. Simply call 0800 63 43 880 or email us at email@example.com.