Is Direct Line the right choice for landlords?
Direct Line is a well-known name in the UK, and its landlord insurance attracts plenty of attention. But does brand recognition automatically mean the best protection for rental properties? For landlords, it’s worth looking past the adverts to see what’s really on offer. A rental isn’t just a building; it’s income, investment, and often a financial safety net. Choosing the wrong cover could put all of that at risk.
What does Direct Line landlord insurance include?
The core policy is built with landlords in mind and typically features:
- Buildings cover: Protection against fire, flood, storms, subsidence, and vandalism.
- Landlord liability: Cover if tenants, visitors, or tradespeople make a claim for injury or damage.
- Alternative accommodation or loss of rent: Support if the property becomes uninhabitable.
- Contents cover (optional): Protection for furnishings and appliances supplied by the landlord.
Optional extras include legal expenses, accidental damage, and rent guarantee cover. The “pick and mix” design makes it adaptable, though costs vary depending on the add-ons chosen.
What makes Direct Line stand out?
Several features appeal to landlords:
- Customisation: Suitable for single-property landlords and small portfolios.
- Portfolio cover: Ability to insure multiple properties under one policy.
- Big brand stability: A major insurer with financial strength behind it.
- 24/7 claims helpline: Round-the-clock support, useful when emergencies happen outside office hours.
For many, this balance of flexibility and reassurance makes Direct Line attractive. But it’s not without limits.
Are there drawbacks?
Some landlords find Direct Line’s premiums higher than those from smaller providers, particularly after adding extras. Others report claims processes that, while generally reliable, come with conditions that feel restrictive. Like any insurer, exclusions matter – certain property types or tenant groups may not be covered without adjustments.
How does it compare with other insurers?
Set against names like Aviva, AXA, or broker-arranged policies, Direct Line performs strongly in some areas but not all:
- Flexibility: Good range of options, though brokers may access niche policies for unusual risks.
- Price: Often competitive, but not the cheapest on the market.
- Service: The 24/7 helpline is a plus, but smaller providers sometimes give more personal service.
- Specialist cover: HMOs, student lets, or unique buildings may be better served by specialist insurers.
The conclusion is that Direct Line is strong, but not always the best fit for every landlord profile.
What extras might be worth adding?
Direct Line gives landlords the option to bolt on extras such as:
- Accidental damage: Covers mishaps caused by tenants or guests.
- Legal expenses: Helps with evictions, disputes, or defence against liability claims.
- Rent guarantee: Supports cash flow if tenants fail to pay rent.
- Employer’s liability: Required if you employ staff such as caretakers or cleaners.
These extras add cost, but the right selection can protect against major financial shocks.
Who is Direct Line most suitable for?
It tends to work best for landlords who:
- Run a small portfolio and want to manage it under one policy.
- Prefer dealing with a well-established, recognised insurer.
- Value 24/7 claims support and online account management.
- Want flexible options without going through niche brokers.
For landlords with specialist needs, though, other providers may be a better match.
What should landlords check before buying?
Before committing, make sure to confirm:
- The rebuild cost is accurate and not confused with market value.
- The tenant type you let to is clearly covered.
- Any exclusions for accidental or malicious damage.
- Whether add-ons like legal or rent guarantee cover are included or cost extra.
Checking these points avoids unpleasant surprises later.
Is Direct Line the “best” landlord insurance?
No single insurer fits that label for everyone. Direct Line offers a strong, flexible product backed by a big brand. That works for many landlords. But those managing HMOs, unusual properties, or higher-risk tenants may find more suitable cover elsewhere. The aim should be finding the right match for your property and circumstances, not chasing a universal “best.”
Final thought: weighing up Direct Line landlord insurance
Direct Line earns its place among the UK’s leading landlord insurers. Flexibility, brand strength, and useful extras make it a solid option. Still, it won’t be right for everyone. A smart approach is to compare Direct Line alongside other providers, focusing not only on price but also on exclusions, service, and claims support. The right choice is the one that leaves you confident your property and income are genuinely protected.