Compare Direct Line Landlord Insurance

Direct Line Landlord Insurance

A landlord policy covers the risks you face when letting or leasing a property that standard home insurance may not cover.

Also known as buy-to-let insurance, a landlord policy protects you against many different types of perils, including flood, fire, burst pipes and storms.

A Direct Line landlord insurance policy encompasses single or multi-location property portfolios, houses, and modern, purpose-built flats.

The cover provides a wide range of protection against potentially devastating events such as fire, theft, malicious damage, and public liabilities.

Direct Line landlord cover provides the following cover as standard:

• Buildings insurance
• You can add up to 15 properties to one policy with one renewal date
• Public liability cover up to £2 million
• Property contents cover
• Accidental damage cover
• Boiler breakdown cover
• Alternative accommodation for tenants after a flood or fire
• Glass and locks replacement
• New for old replacement for damaged contents
• UK-based specialist claims handlers are available seven days a week to help you with your claim
• Option to pay monthly for the first year of your policy, interest-free
• Cover commercial and residential properties on the same policy
• Award Direct Line have won include What Mortgage Awards 2013 – 2021: Best Landlord Insurance Provider.

Optional policy extras on offer from Direct Line include:

• Cover for loss of rent following a claim
• Employer’s liability insurance
• Cover for deliberate damage or theft by tenants
• Loss of rent cover

There is a diverse range of offerings for landlord insurance; it’s important to shop around to find the plan that suits your needs best. You should also consider carefully what you’re looking for in a policy to find a level of cover that you feel comfortable with.

Types of landlord insurance you may wish to think about:

• Landlord Building Insurance – The most basic type of policy, you are just provided with cover for the building structure as well as the rebuild costs

• Landlord Content insurance -If you rent a property as furnished, this will cover the items you provided, such as white goods and furniture.

• Landlord Liability Insurance – If one of your tenants decides to enter litigation with you, this coverage could assist you with legal costs

• Loss of Rent cover – If an accident happens, which means you cannot let one of your properties for a period of time, this insurance could cover the loss of rent you will suffer.

• Landlord Emergency cover – This will cover the cost of emergency repairs following incidents that need to be addressed as soon as possible, like a burst pipe. This type of insurance can help you get a qualified tradesperson to the property any day of the year.

* subject to terms and conditions