BTL Insurance: Building & Contents Cover Explained

Standard home insurance doesn’t protect rental properties. Find out why landlord cover matters and what your policy must include.

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Why Landlord Insurance is Different

Insuring a rental property isn't the same as insuring your home. A standard homeowner policy may not be valid once tenants move in. Landlord-specific policies provide protection tailored to the unique risks associated with letting and often include features such as loss of rent, legal liability, and damage caused by tenants.

Buildings Insurance: What It Covers

Buildings insurance protects the physical structure of your property, including walls, roof, windows, and permanent fixtures like bathrooms and kitchens. It's usually a condition of your mortgage. If fire, flooding, or storm damage occurs, this cover pays for repairs or even complete rebuilding if necessary.

Contents Insurance for Rental Properties

Even if your property is unfurnished, contents insurance is still valuable. It covers items you’ve provided, such as flooring, white goods, curtains, and kitchen fittings. If they’re damaged or stolen, your policy can cover replacements, saving you from out-of-pocket costs.

Public Liability Cover: A Must-Have

Many landlord policies include public liability coverage, which is essential. If a tenant or visitor is injured due to something on your property (such as a loose stair tread or faulty appliance), this insurance helps cover compensation claims, medical bills, and legal costs.

What's Not Included — And Why It Matters

Landlord contents insurance does not cover tenants' items. Ensure that your tenants are aware of the need to arrange their insurance. Additionally, if you're relying on a regular home insurance policy, check the fine print. Claims may be denied if the insurer discovers the property is let.

The Cost of Being Underinsured

It's not just about ticking boxes. Without proper coverage, you could face unexpected expenses, such as replacing high-value appliances or repairing water damage caused by a tenant's accident. A specialist landlord policy protects your income and peace of mind.

We Can Help You Choose the Right Cover

Unsure where to start? Our lettings team can recommend reputable landlord insurance providers. We also work with independent financial advisers who can tailor advice to your property and tenancy setup even if you’re not using our letting services.

Speak to our lettings specialists today and start investing smarter, to live better.