Buy-to-Let Landlord Insurance

  • Flexible & tailored policies for buy-to-let landlords
  • Compare quotes from a wide range of insurers now
Gold Trusted Service Award - Feefo 2020
Platinum - Trusted Service Award - Feefo 2021

What is Buy-to-Let Landlord Insurance?

Being a landlord and renting out properties to tenants can not only be a profitable business, but an enjoyable experience too – especially when you have the right insurance in place to protect you should anything go wrong. Even if you have the best tenants who keep the properties clean and tidy, sometimes burst pipes occur and require fixing, the environment steps in and causes flooding and storm damage, or for whatever reason, tenants refuse to pay their rent. You shouldn’t have to foot the bill, and with a Buy-to-let Landlord Insurance policy, you can ensure you have the right level of cover. With The Insurance Octopus, you get to choose the protection you need, based on dedicated support from a Feefo Platinum awarded company. With also offer adaptable payment methods and access to top-rated insurers.

Let’s find you that insurance quote. Simply fill in our form, or request a call back, and we’ll guide you through the process. And, should your business expand, or your requirements change, then your policy can change with it, without any charge for administration fees for mid-term adjustments, ever. That’s our promise to you.

What may be included in a Buy-to-Let Landlord Insurance policy?

Commercial Combined Insurance awards

Buildings Insurance

This policy covers the structure of your property, including rebuilding costs should there be a fire or flood. This extends to risks such as fuel leakage, utilities damage and replacing fittings where required.

Commercial Combined Insurance awards

Contents Insurance

Is your property or portfolio furnished? With contents cover, you can protect your carpets, furniture and electrical appliances from damage caused by tenants, and receive compensation to replace them.

Commercial Combined Insurance awards

Loss Of Rent Cover

If a property becomes uninhabitable as a result of an insured event – such as a fire or flood – meaning the tenant moves out, this policy will cover loss of earnings due to this.

Commercial Combined Insurance awards

Legal Cover

In cases of disputes with tenants, this policy will cover the legal costs should any legal action be taken against you.

All Your Landlord Protection Covers in One Place

With Property Owners and Public Liability Insurance and more available

At The Insurance Octopus, we source personalised Buy-to-let Landlord Insurance policies that are designed to allow you to add, remove, increase or decrease all areas of your insurance policy. We aim to make the process of organising your business insurance as easy as possible by researching a bespoke Property Insurance policy exactly how you want it. Whether occupied or unoccupied property, we can find all the essential cover you’ll need.

It is a landlord’s legal responsibility for the safety of tenants and those who visit the property. If a person is injured on your premises as a result of negligence on your part, you could be sued for compensation, which is why Property Insurance is crucial to protecting your business.

What Your Buy-to-Let Landlord Insurance Policy Includes

Buildings insurance

This cover includes protection against risks such as escape of water, falling trees, loss of oil or unauthorised use of utilities.

Landlord Home Emergency Solutions

Providing solutions to respond to potential household emergencies, this cover can be bought alongside your Landlord Business Insurance policy.


Subsidence occurs when the soil on which the property is built upon shrinks or swells. Our subsidence cover protects your property against such damage and can be added to your Buy-to-let Landlord Insurance as an optional add-on.

Benefits of Having Buy-to-Let Landlord Insurance

At The Insurance Octopus, we work with a selection of UK insurers providing the widest choice of Buy-to-let Landlord Property Insurance. Landlords Public Liability Insurance or Property Owners Liability Insurance is essential for renting out properties for residential purposes.

Legal bills and compensation pay-outs associated with these kinds of cases can be costly, so it’s important to protect yourself. Public Liability Insurance provides financial support if a court case is brought against you. As part of your Landlord Insurance through The Insurance Octopus, you can be assured that it includes this for peace of mind.

We Can Accommodate Buy-to-Let Properties by finding a Bespoke Landlord Property Insurance Policy for Financial Protection

Optional covers available

We can source additional cover protecting you against a multitude of different risks with cover such as rent guarantee insurance and accidental damage cover. We can often provide you with your business insurance and documents on the same day, speak to us today to arrange your cover.

Tailored buy-to-let cover

When you’re considering taking out a policy, one of The Insurance Octopus Buy-to-let Landlord Insurance specialists will discuss your business requirements with you and source and compare personalised quotes from a number of major UK insurance providers. You will get a bespoke policy that ensures you only pay for the cover you need.

Other Types of Landlord Insurance We Can Source

Tick Property Insurance Off Your To Do List

Help protect and grow your business with tailor-made Property Insurance through The Insurance Octopus

Insurance Know How Making business insurance easier to understand

The ultimate small business checklist to help protect against cyber threats

Cyber threats are heard about more and more in the news with many attacks affecting larger businesses. However...

The top 10 Cyber Insurance claim types

Cyber insurance claims are becoming more and more common with each passing year. As business grows more depend...

How much does cyber insurance cost?

Cyber insurance, which covers your business against the effects of a serious cyber incident, is not an “off ...

Get to grips with Under-insurance & The Insurance Act

Inadequate cover presents a great risk to businesses – help ensure your cover is more than adequate by u...

Business Insurance Blog For all the things business & insurance