Buy to Let Property Insurance
Helping to safeguard your property when you're not there
Buy to let properties can be a great investment opportunity. We understand that as a landlord you can't always be there to take care of your property. So we've designed a policy specifically for people in your position to help give you the cover you may need.
Our Buy to Let Property Insurance provides cover for your buy to let property and its contents. It also lets you choose cover for the extended accidental damage and/or legal expenses and rent guarantee cover. For example, whether its spilt coffee on your carpet or you need to pursue or defend claims involving breach of tenancy agreement, you won't be left vulnerable.
- As well as the big things like fire, theft and flood our policies can cover you for smaller things like replacing locks and keys if your keys are stolen.
- Unlike most companies, we provide home emergency cover as standard with our buildings cover, which gives you up to £150 towards paying for emergency call outs or repairs.
- You can buy this specifically designed insurance directly from us.
If you would like a quote or further details, call our UK based staff on 0800 092 9922.
Opening times 8am to 8pm Monday to Friday, 9am to 5pm Saturday.
We may record or monitor calls
What is covered :
The additional options available from Legal & General's Buy to Let Property Insurance, can help you get cover that's right for you and your property.
Here are just some of the things we cover as standard when you insure buildings and contents:
| What's included | Covered? |
|---|---|
| Fire, flood and theft |  |
| In the event of stolen keys receive up to £250 for replacement locks | |
| Property in garages and domestic outbuildings up to 5% of contents sum insured | |
| Trace and access cover up to £5,000 - to cover the costs of tracing the source of water or oil leaks and repairing walls floors and ceilings damaged during these investigations | |
| Up to 5% of contents sum insured for external satellite receiving equipment | |
| Accidental breakage of fixed glass and fixed sanitaryware | |
| Your legal liability as the owner of the buildings for causing injury to others or for damage to their property up to £2 million | |
| Loss of rent following damage by an insured event up to £50,000 |
|
What isn't covered:
- Loss or damage caused by escape of water if the property is unoccupied for more than 40 consecutive days
- Malicious acts and theft caused by tenants
- The first £100 of each claim (other than for subsidence, heave or landslip claims where the first £1,000 isn't covered)
- Damage to fences, gates and hedges caused by storm or flood
- Routine day to day maintenance
- Loss or damage caused by malicious acts or vandalism, theft or attempted theft. Leakage of oil or accidental breakage of fixed glass or fixed sanitaryware if the property is unoccupied for more than 90 consecutive days. Additionally, if the property is unoccupied for between 40 and 90 days an excess of £500 applies to these perils.
For a full list of what is and what isn't covered and details of cover limits, please refer to the Buy to Let Property Insurance Policy Document (PDF 139Kb)
