Compare landlord insurance for your buy-to-let property. Simples.

Landlord insurance typically covers buildings insurance for the structure of your rental property, and can include landlord contents cover for furnishings you provide. Most policies may also protect you against tenant damage or malicious acts, loss of rental income if the property becomes uninhabitable, and legal expenses related to tenant disputes. The exact cover available varies between insurers and policy levels, so it's worth checking what's included when you compare quotes.

No, they're designed for different situations. Standard home insurance is for owner-occupiers living in their own property, while landlord insurance is built for rental properties and the specific risks landlords face. Landlord policies can cover rental-specific scenarios like tenant damage, loss of rental income, and landlord liability, which standard home insurance usually won't include. Cover varies between policies, so it's important to choose insurance that matches how the property is used.

Loss of rent cover can pay out your rental income if your property becomes uninhabitable due to an insured event, such as fire or flood damage, while repairs are being carried out. This helps protect your income during the repair period, though policies usually have limits on how much and how long they'll pay, plus there may be an excess or waiting period. The specifics depend on your individual policy terms.

Standard home insurance typically won't cover a property you're renting out, so landlord insurance is designed specifically for buy-to-let and rental properties. While it may not be a legal requirement, some mortgage lenders require you to have appropriate landlord cover in place as a condition of your buy-to-let mortgage. It's worth checking your lender's terms and comparing policies that match your rental situation.

Some landlord insurance policies include cover for accidental or malicious damage caused by tenants as standard, while others offer it as an optional extra. The level of cover can vary between policies, so it's worth checking exactly what's included and excluded, along with any claim limits or excess amounts, when you're comparing your options.