Buy To Let Insurance
Specialist Buy To Let Insurance Cover for Landlords
Owning a buy-to-let property comes with financial risks, from tenant-related damage and unpaid rent to fire, flood, and legal disputes. Standard home insurance won’t cover rental properties, making Buy-To-Let Insurance essential for landlords looking to safeguard their investments.
ABA Insurance provides specialist Buy-To-Let Insurance, offering tailored protection for private landlords, property investors, and portfolio owners. Our policies cover building damage, rental income loss, liability claims, and legal expenses, ensuring peace of mind while renting out your property.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Buy-To-Let Insurance?
Buy-To-Let Insurance is a specialist landlord policy that provides financial protection against property damage, tenant disputes, and rental income loss. It is designed for landlords who rent out residential or commercial properties to tenants.
This insurance is essential for:
- Private landlords with a single rental property
- Property investors with multiple rental units
- Landlords renting to students, families, or professionals
- Holiday and short-term let property owners
- HMOs (Houses in Multiple Occupation)
Without the right cover, landlords could face expensive repair bills, unpaid rent, or legal action from tenants.
Why Do You Need Buy-To-Let Insurance?
Protection Against Property Damage
Tenants, accidental incidents, and natural disasters can cause costly damage to your rental property. This insurance covers fire, flood, storm damage, and vandalism.
Cover for Loss of Rental Income
If your property becomes uninhabitable due to an insured event, business interruption insurance helps cover lost rental income while repairs are carried out.
Landlord Liability Cover
If a tenant suffers an injury due to a property defect, such as a broken staircase or faulty wiring, you could be held legally responsible. Public liability insurance covers legal costs and compensation payouts.
Rent Guarantee Insurance
If a tenant fails to pay rent, this cover helps ensure you continue receiving rental income while resolving the issue legally.
Legal Expenses Protection
Landlord-tenant disputes, eviction proceedings, and contract disputes can lead to expensive legal fees. This policy covers the cost of solicitors and court fees.
Compliance with Mortgage Lender and Legal Requirements
Most buy-to-let mortgage lenders require landlords to have specialist insurance as part of their lending conditions. This policy ensures compliance with legal and financial regulations.
What Does Buy-To-Let Insurance Cover?
- Buildings insurance for property damage due to fire, flood, and storms
- Landlord contents insurance for furnishings, appliances, and fittings
- Loss of rental income cover for uninhabitable properties due to damage
- Public liability insurance for tenant and third-party injury claims
- Legal expenses cover for disputes, evictions, and contract issues
- Rent guarantee insurance for missed or unpaid rent by tenants
- Malicious and accidental damage cover for tenant-related property damage
- HMO landlord insurance for landlords with multiple tenants in one property
Get The Right Business Insurance
How To Get The Right Buy To Let Policy First Time Round
Worried About Non-Paying Tenants?
Unpaid rent can impact mortgage payments and cash flow. Our rent guarantee cover ensures continued income protection.
Concerned About Expensive Property Repairs?
Fire, water damage, and tenant neglect can lead to high repair costs. Our policies provide comprehensive building and contents protection.
Need Protection Against Tenant Disputes?
Evicting tenants or resolving legal disputes can be costly. Our legal expenses cover helps handle these situations professionally.
Unsure If You Need Specialist Landlord Cover?
Standard home insurance won’t cover rental properties. Our Buy-To-Let Insurance ensures compliance with lender and legal requirements.
Looking for Cost-Effective and Flexible Cover?
We offer customised policies tailored to single property landlords and portfolio owners, ensuring affordable and scalable protection.
How Much Does Buy-To-Let Insurance Cost?
The cost of Buy-To-Let Insurance depends on:
- The property’s size, type, and location
- The type of tenants (e.g., professionals, students, or housing benefit tenants)
- The level of building and contents insurance required
- The rental income and risk of unpaid rent
- Security measures such as alarms and locks
- Previous claims history and overall landlord risk assessment
ABA Insurance provides tailored policies at competitive rates, ensuring landlords receive the best protection for their rental properties.
Why Choose ABA Insurance for Buy-To-Let Insurance?
- Industry expertise with specialist cover for landlords
- Flexible policies for single properties or large portfolios
- Competitive pricing with cost-effective landlord insurance packages
- Fast quotes and an easy application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Buy-To-Let Insurance Today
Protect your rental property and income with Buy-To-Let Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.