Landlord Insurance Basics: What Buy-to-Let Owners Need to Know
An introductory online session for landlords on the insurance cover required for buy-to-let properties. Covers buildings cover, liability, loss of rent, optional extensions, and the legal risks of relying on standard home insurance.
About this session
Many landlords rely on their standard home insurance when letting a property — often without realising this voids the policy. Landlord insurance is a distinct product that covers buildings, the landlord's contents, property owner's liability, and loss of rental income. This session explains each component, what optional extensions are available, and how to ensure your cover is appropriate for your property type.
Pre-reading: our landlord insurance guide and our landlord insurance explained guide.
Session agenda
| Time | Item |
|---|---|
| 18:00 | Welcome and context — why standard home insurance fails landlords |
| 18:10 | Core cover: buildings, landlord's contents, and property owner's liability |
| 18:35 | Loss of rent cover — how it works and what it does not cover |
| 18:50 | Optional extensions — accidental damage, malicious damage, legal expenses, and unoccupancy |
| 19:10 | Leasehold flats — who insures what |
| 19:20 | Live Q&A |
| 19:30 | Close |
Event FAQ
Frequently asked questions
- Landlords at any stage — those buying their first rental property, existing landlords reviewing their cover, and property investors with multiple units. The session is also useful for letting agents who advise clients on insurance requirements. See our landlord insurance guide for pre-reading.
- HMO properties are mentioned as a specific category that requires specialist cover, but the session focuses primarily on standard single-tenancy buy-to-let. HMOs have additional licensing, fire safety, and insurance requirements that are outside the scope of this introductory session.
- Yes. Registration is free and a recording is made available to all registered attendees within 48 hours.
- Briefly — one section explains what landlord insurance does NOT cover (the tenant's possessions and personal liability) and what tenants need to arrange for themselves. See our landlord vs renters' insurance guide for the full split.