Different types of landlord insurance cover different risks. Buildings insurance covers the cost of repairing or rebuilding your property, while contents insurance covers your contents if they’re stolen or damaged.
When you’re buying a landlord insurance policy you can choose the insurance you need based on the risks you want to cover. Most landlord insurance policies include buildings insurance or fixtures and fittings insurance, plus property owners’ liability insurance. There are lots of other covers you can add on too, covering other risks like accidental damage, loss of rent and tenant default.