Buy to Let Insurance

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SME Insurance

Buy to Let Insurance

Running a busy bed and breakfast can be hectic, with guests coming and going, cooking and housekeeping all being done throughout the day – there are several different risks to consider when running a B&B.

As a landlord, it is not a legal requirement to have a suitable landlords’ insurance policy, however you may find that your property is not covered when it has tenants renting it from you, even if you have regular home insurance. This is because the risks associated with renting your property out are far greater in the eyes of insurers than the property owner living in the property.

There are several different aspects to buy to let insurance, which can include some, or all of the following types of insurance:

Insurance for Rental Property

When you decide to rent out a property, you are putting it in the hands of the people who are going to be living in it. This can be a great source of income and a way to keep your property occupied, but there are always going to be risks associated with letting strangers use your property. Therefore specialist buy to let insurance is a great way to protect yourself and your property should things go wrong.

It is worth bearing in mind that most home insurance policies will not cover property which is rented out to tenants. This means that landlords can be in a difficult situation should any accidents happen, the property is damaged, or the tenants injure themselves due to issues with the property. Buy to let insurance policies provide specific cover for property which is rented out, insuring your property in the event of accidents or incidents occurring.

Business Insurance for Landlords

Many landlords operate as property businesses, with many homes and buildings in their portfolio. There are business insurance deals available for landlords which offer protection for multiple properties on one policy, so it is certainly worth speaking to us here at Erskine Murray to find the best buy to let insurance for your needs.

In the event of something going wrong with one of your properties, you will want to have it fixed and ready to rent out again as quickly as you can. The policies available for landlords allow you to protect your property and have it back up and running in a swift manner ready for more tenants. Optional rental protection insurance can help you to safeguard your rental income during times when you are unable to rent your property out, such as when it is being refurbished or repaired.

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SME Insurance by Sector

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


Including buildings, contents, liability, unoccupied and rental protection.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

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