Buy to Let Insurance - InsuraHome

As a landlord or buy to let owner you’ll probably know that normal household insurance just isn’t suitable for the risks associated with renting out your property to tenants. What you need is Buy to Let insurance.

Being a landlord of one property or owning a residential portfolio and renting out multiple properties to tenants can be profitable business and in an ideal situation, every landlord would have perfect people to let their properties to; clean, tidy, professional and responsible. However, things can very quickly become a very costly opposite when things go wrong. Without suitable buy to let insurance you could be out of pocket and in serious financial trouble in the event of an expensive accident such as structural damage to your property due to fire, escaped water or burst pipes.

What is Buy to Let Insurance?

Let Home Insurance from InsuraHome is a specialist home insurance policy for landlords or buy to let owners when renting a property to tenants. It is different from a standard home insurance policy because it covers the risks associated with renting a property that are not covered in a standard home insurance policy. As you may know, even with dream tenants, things can still go wrong. That’s where an InsuraHome Let Home Insurance policy comes in to protect you and your rental property from accidental damage, liability, loss of rent and much much more!

Buy to Let Insurance is Available for:

  • Landlords and Buy-to-Let Properties
  • Clean and Non-standard Risks
  • Property Portfolios up to £15 million Total Sum insured
  • Landlords with Adverse Claims History
  • All Tenancy types and agreement lengths considered

Let House Insurance Includes Cover for a Number of Perils:

  • Fire, Lightning, Explosion or Earthquake
  • Storm, Flood or Weight of Snow
  • Escape of Water or Frost Damage to Fixed Water Tanks, Apparatus or Pipes
  • Theft or Attempted Theft
  • Subsidence or Heave of the Site on which the Buildings Stand or Landslip

Key Benefits of InsuraHome’s Buy to Let Insurance:

  • Buildings Insurance with Accidental Damage Option – Minimum Sum Insured £75,000


Covers the costs associated with repairing or rebuilding your property if it’s damaged or destroyed. Buildings includes the home itself, any fixtures and fittings, swimming pools and much more.


  • Landlords Contents with Accidental Damage Option – Minimum Sum Insured £10,000, if Contents Insurance taken


Covers household goods and personal property within the home which belong to or for which you are legally liable for. Landlord contents include furniture, carpets, curtains, blinds, domestic appliances and more.


  • Accidents to Domestic Employees (such as Cleaners) up to £10,000,000


If you employ someone to work at the property such as a cleaner or a gardener, this section of cover protects you against claims for bodily injury from an event at your property.


  • Legal Liability to the Public up to £5,000,000


Liability cover is designed to project you in the event you are found liable for bodily injury or damage to property caused by an accident happening at the premises.


  • Landlords Legal Expenses
  • Rent Guarantee Option


Click here to see the full InsuraHome Buy to Let Insurance Policy Wording for the full summary of buildings and contents covers as well as optional covers.

What is Covered?
  • Landlords
  • Buy-to Let properties
  • All tenancy types
  • Non-standard properties

How to get a Quote

To get a Quote, simply do one of the following:

  • Click any of the 'Request a Quote' Buttons and complete the online form.
  • Call our Specialists on 01483 806 815.
  • Download our Application Form located on the 'Policy Documents' page, print it out and fill in your details using BLOCK CAPITALS. This form can then either be posted to us, or scanned and emailed to
  • Download our Application Form and save it to your desktop. Re-open it, fill it in digitally and click 'Send me to the InsuraHome Specialists' on the final page, once you have completed all questions.
  • If you would like to request a call, send an email to with your name and contact number.

Please Note: Our Open Times are: 09:00-17:30, Monday-Friday.

Or speak to An InsuraHome Buy to Let Insurance Specialist by calling +44 (0) 1483 806 815

Main Features of InsuraHome Buy to Let Insurance Cover

Buildings Insurance Summary of Cover – InsuraHome Let Home Insurance

CoverLimit (£)
Minimum Building Sum Insured£75,000 (No Upper Limit)
Loss of Rent & Alternative Accommodation25% of Buildings Sum insured and up to 24 months
Alternative Accommodation due to SquattersUp to £5,000
Replacement LocksUp to £5,000
Unauthorised Use of Electricity, Gas or WaterUp to £5,000
Theft / Attempted Theft by TenantsUp to £10,000

Contents Insurance Summary of Cover – InsuraHome Let Property Insurance

CoverLimit (£)
Landlords ContentsMinimum £10,000*
Accidental Damage to Electronic EquipmentIncluded

*Minimum Content Sums Insured is £10,000, when the Contents Insurance option has been selected. If Contents Insurance is opted-out, up to £5,000 cover may be available as an automatic additional cover under Buildings Insurance.

Or speak to An InsuraHome Buy to Let Insurance Specialist by calling +44 (0) 1483 806 815

Buy to Let Insurance UK Frequently Asked Questions – FAQs

Is Buy to Let Insurance compulsory?

Buy to Let Insurance is not legally required and is therefore not compulsory although many mortgage providers require insurances as mandatory and some lettings agencies strongly encourage buy to let insurance to the point where they will refuse to manage your property without it! However, even with the perfect tenant things can still go wrong which could potentially leave you out of pocket. That’s why InsuraHome Buy to Let insurance is there to protect you financially against unexpected events that could otherwise cost a lot of money. Always refer to the policy wording for full summary of covers.

What does Buy to Let Insurance cover?

Buy to Let Insurance should always have cover for buildings, which covers damages to the structure and any costs associated with the repair of damages to the structure that may come about. Contents cover is also available on buy to let insurance which protects landlords against the cost of replacing any household goods and personal property within the home which belong to or for which you are legally liable for that may be damaged during the duration of the tenancy – this includes things such as furniture or domestic appliances. Other covers on a buy to let insurance policy may include loss of rent as well as liability protection if your tenant is injured in the property and you are found liable.

How much does Buy to Let Insurance cost?

The cost of a Buy to Let Insurance will vary from policy to policy depending on the size of your property, whether it is furnished or unfurnished, whether you rent to students and more. When choosing a buy to let insurance policy make sure that it meets your requirements to ensure that you are protected.

Contact InsuraHome Let Property Insurance UK

If you wish to speak to one of our InsuraHome Buy to Let Insurance Specialists:
Call: +44 (0) 1483 806 900
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).
For Claims information, please click here.

About InsuraHome Buy to Let Policy

Our Let Home insurance policy is underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard underwriting experience. InsuraHome let house Insurance is backed by a team of underwriters who are highly experienced and deal with each risk on a case-by-case basis. Therefore, our customers can be assured that all our InsuraHome buy to let Insurance policies provide tailor-made protection, as required.

How do I get an InsuraHome Buy to Let Insurance Quote?

At InsuraHome we like to provide you with first class customer service to ensure you are getting the protection you require.

To get an InsuraHome Buy to Let Insurance quote click the ‘Request a Quote’ Button and complete the online form. Alternatively download and complete an application form located on the ‘Policy Documents’ page and email it to

If you would like some assistance when completing your application form do not hesitate to call our InsuraHome Buy to Let Insurance specialists on 01483 806 900.

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