Buy To Let Insurance

Buy To Let Insurance

Do you know what the Landlord and Tenant are each responsible for and should protect with insurance?

Do you know how to calculate an accurate rebuild cost?

Do you know how to avoid underinsurance?

Do you know how much Alternative Accommodation cover is necessary?

Do you know how the types of Tenant can affect the insurance premium?

Do you know what property owners liability covers you for?

Do you know what indemnity period you need for Business Interruption cover?

Do you know which security measures are useful and which are not?

Do you know what actions you should take to reduce the impact of policy conditions?

Do you know the differences in types of cover against malicious damage?

Do you know how to insure effectively against damage caused to your property by it being turned into a Cannabis factory?

Do you know how to insure appropriately for Loss of Rent?

Do you know how much information to disclose about the risk you are seeking to insure?

Do you know what to do if you discover property damage?

Do you know what simple risk management steps you can take to avoid having to make a claim?

If your answer to any of these questions is “No” then please call us for a chat
about Buy to Let Insurance.


Buy to Let Insurance is a specialised type of insurance designed for landlords who own residential properties rented out to tenants. It provides crucial protection for property owners against various risks and potential liabilities ensuring that landlords can manage their rental properties with confidence.

One of the primary components of Buy to Let Insurance is property coverage. This includes protection for the physical structure of the rental property, including the building itself, fixtures & fittings and outdoor structures and spaces. It also includes coverage for property owners’ belongings used for the maintenance and management of the rental property, like lawnmowers or tools. In the event of damage caused by perils like fire, flooding, escape of water, subsidence or vandalism, Buy to Let Insurance will cover the cost of repairs or rebuilding, safeguarding the landlord’s investment.

Another essential aspect of Buy to Let Insurance is loss of rental income coverage. If a covered event renders the property uninhabitable resulting in a loss of rental income, the insurance will compensate the landlord for the lost rent during the period of restoration. Another option that the landlord can insure for is Alternative Accommodation cover, to give them the option of rehousing tenants rather than terminating the tenancy and claiming for Loss of Rent.

Buy to Let Insurance policies can be tailored to meet the specific needs of individual landlords and their properties. Cover is available for Legal expenses related for example to tenant disputes. Some policies may also offer additional optional coverage, such as malicious damage caused by tenants, even resulting from the illegal cultivation of drugs.

Liability coverage is another crucial aspect of Buy to Let Insurance. It protects property owners from the impact of legal claims and financial liabilities arising from accidents, injuries, or property damage that may occur on the rental property. For instance, if a tenant or visitor sustains an injury on the property and holds the property owner liable, this coverage provides financial support for legal defence and potential settlements.

Buy to Let Insurance is a critical risk management tool for individuals and entities who own and rent out properties. It offers comprehensive coverage for property, liability and loss of rental income, ensuring financial security and peace of mind for property owners. By securing the right Property Owners Insurance policy, property owners can confidently manage their rental properties, knowing that they have a reliable safety net to handle unexpected challenges and protect their investments.

Our Benefits

Why our clients choose Samson Insurance

Our expertise and business relationships make us your best partner for your insurance requirements.



You can rely on us to arrange your insurances, leaving you to focus on what matters to you.



We use our Loss Assessing experience to advise you on the most suitable policy, and to help you understand and navigate the insurance claims process.



Our tailor-made advice safeguards you against the worst that could happen.

We place cover with
geo/ Insurance
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RSA Insurance
Pen Underwriting Insurance
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Zurich Insurance
Tokio Marine HCC
Lloyds Insurance
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iprism Underwriting
Camberford Underwriting
Ageas Insurance
NBS Underwriting Insurance
BRIT Insurance
Legal General Insurance
MIDAS Insurance
AllClear Travel Insurance
AVIVA Insurance
British Engineering Services
Munich RE

Our Reviews

What our clients say about us
Review Quotes
Samson has organised our home insurance and now our let property insurance for several years. They are knowledgeable and give great service and we have no hesitation in recommending them to others. 
David Cooper
Review Quotes
You’ve been insuring my property for over 30 years during which we’ve had a few claims which you have handled superbly for us. Your expertise has always been invaluable and I wouldn’t hesitate to recommend you to people looking for honest advice, good quality cover and competitively priced premiums.
Mr. M. Reich, London
Review Quotes
For several years we have been introducing our clients to Sam and his team in particular for property insurance. Their experience as claim advocates through their loss assessing practice really helps when they arrange our clients’ insurances and we know that our clients will be well advised.
Gillian White, White & Co Solicitors
Review Quotes
We have been insuring with Samson for many years, first with Henry and now with Sam. We really value your understanding of claims which complements your sourcing of cover for us. When we have had to claim you have handled these very well and we have no hesitation in recommending you to others.
Jacob Ting, Co. Chartered Accountants
Review Quotes
Samson Insurance provides us with excellent value cover on our let property. We feel confident that they understand our needs and what to look for in the insurance market and would be happy to recommend them.
JS, YMB Estates

Contact Us

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You can contact our expert brokers for a personalised insurance quote using the details below or alternatively fill in the form and arrange a time for us to call you.

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