Choose the insurance that’s right for you

Being a landlord isn't always straight-forward. But with our hassle-free insurance for landlords in Northern Ireland, you can protect your property, as well as your rental income - all under one simple policy.

To get the best value home insurance, buildings and contents should be insured together in one policy, with one provider.

  • Buildings Only Insurance

    Covers your whole property; your house, driveway and patio. Includes cover for permanent fixtures such as kitchen units, bathroom fittings and wardrobes.

  • Buildings & Contents Insurance

    This is the most comprehensive cover for your property and furnishings, and is suitable if you are leasing a furnished house.

No matter what cover you choose, you have peace of mind with:
  • Monthly payment option
  • 24-hour claim helpline
  • Local, Northern Ireland based customer support
  • Access to your personal online portal so you can manage your insurance online

What is a cover limit?

When you insure your buildings, you will be asked to provide a cover limit. The cover limit is the amount it would cost to rebuild your home if there was a serious incident. This is not the market value of your home, and doesn’t include the price of the land that your home is on. Get an accurate calculation of your cover limit here.

Keep your landlord insurance costs down

Protect your investment at an affordable price.

up to30% No Claims Discount if you've been claim-free for more than 1 year

10% Online discount

10% Multi-product discount if you currently hold a car policy with us

10% Discount for the over 50s

Landlord insurance from AXA Direct Northern Ireland - Buildings cover

Buildings cover at a glance

Landlord Insurance for buildings and contents comes with cover against fire, storm or flood, water or oil escaping, theft and attempted theft, malicious acts and subsidence.

  • Loss of rent and alternative accommodation

    If the property is not fit to live in because of damage or loss caused by any of the above, then we will pay you the amount of rent you lost during the time. We also provide cover for alternative accommodation for your tenants until the damage is fixed.

  • Accidental damage to the property

    We'll cover accidental damage to the building as standard - because accidents happen. This includes any accidental damage made by tenants, like cracking floor tiles or putting a foot through the attic floor.

  • Replacement locks

    If the rental property's keys are stolen from your home, we will give you up to £500 to replace the locks and keys.

  • Liability for up to £3 million

    This covers tenants and visitors, so you always have peace of mind. You are covered for any amounts that you legally have to pay to others as a result of accidental injury to a person or damage to a property.

  • Check out the full list of Landlord Insurance NI benefits. Terms and conditions apply. To learn more, please refer to our policy document for more information.

Have questions? Find what you're looking for in the Help Centre
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Landlord insurance from AXA Direct Northern Ireland - Contents cover

Landlord's content cover at a glance

Contents can be expensive to replace. We will cover items such as furniture, carpets and household goods.

  • Accidental damage to landlord's contents

    Cover the contents belonging to you. This covers any accidental damage made by tenants to items like the sofa, beds or white appliances.

  • Contents in the open

    Covers loss or damage to contents on the property land, such as garden furniture, for up to £1,000.

  • Terms and conditions apply. To learn more, please refer to our policy document for more information.

We sort home claims quickly and fairly

We are committed to paying home insurance claims and getting our customers' lives back to normal as quickly as possible. But not all claims are paid, find out why.

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