Landlord insurance in July 2026: what buy-to-let owners must cover
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Standard home insurance usually excludes rented property. Buy-to-let lenders require buildings cover; liability, rent guarantee and contents for fittings remain the landlord's responsibility to arrange.
By Money Guide editorial team
Published:
Once tenants move in, notify your insurer or switch to landlord cover. Claims on standard policies taken out as owner-occupied can be refused.
Buildings sums should reflect rebuild cost via the ABI calculator, not market value. Mortgage lenders must be named on the policy.
Property owners' liability responds to injury claims from tenants or visitors. Rent guarantee policies backstop arrears after referencing but rarely cover the first months.
Since the Renters' Rights Act 2025 took effect in May 2026, possession routes changed in England — check legal expenses wordings still match current law.
Premiums are generally tax-deductible against rental profits. See our landlord insurance explained guide.