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A rental property is an investment you need to protect, from insurance for fire to insurance for water damage. Your mortgage company will insist you have Landlords Insurance on a buy to let property. A standard owner’s insurance policy usually will not protect you if the worst were to happen.
The mainstream benefits obtainable under a standard household policy are seriously affected when the property is let and cover may end if you do not inform the insurer that the property is let. Landlords building insurance can protect your capital investment and property from damage caused by fire and flood, and most importantly it can also help protect the income stream you receive through your tenants paying rent.