Buy to let home insurance is basically “landlord’s insurance”–insurance for anyone invested in rental property or planning to rent their property. Buying Let insurance is an extra bit of insurance protection for home owners that goes above and beyond traditional home owner’s insurance coverage to protect against problems with tenants.What Does Buy to Let Home Insurance Do?Buy to let home insurance protects your rental property investment in case of a few different things:* A destructive event or act of God* Unpaid rent* Damage caused by tenants* Attorney’s fees in tenant’s courtAll landlord’s insurance policies are a little different–some policies offer flood coverage or protection against specific “acts of God” like natural disasters. It is more important for landlords in California to have earthquake protection than it is for a landlord in the South. You can tailor your buy to let insurance to your specific needs.Lost Rental Income and Buy to Let Home InsurancePurchasing a policy is the best way to protect your investment from lost income due to unpaid rent or renovations. Buy to let insurance provides that month-to-month cash income normally supplied by a tenant’s rent payment. When a tenant stops paying rent, either because of delinquency or because you need to renovate the property or just plain can’t rent it, your landlord’s insurance can continue to pay you your rental revenue while you deal with the tenant issue yourself.Choosing a Buy to Let Insurance PolicyBefore you buy a landlord’s insurance policy, make sure you have enough protection to cover the potential expenses–replacement of furnishings, damage to property, unpaid rent, or health for tenants if they are injured on your property.A single incident with a renter (unpaid rent, damage to property, etc) or even a single tenant lawsuit can put your entire investment at risk. Buy to let insurance covers you in case there are legal fees or judgments to tenants.Where to Find Landlord’s InsuranceYou can learn more about buy to let home insurance (including good sources for policies) through the Landlord Association. The LA offers details on insurance policy offers around the country, and they give landlords easy access to legal forms, legal guidelines, and other advice related to landlord’s insurance. The Landlord Association offers all kinds of information related to landlord’s home insurance.Buy to let home insurance is a cheap way to protect your investment against any number of potential financial and legal problems related to your property. With one policy, you are covered against injury, damage from acts of God, unpaid rent, and lots of other potential real estate investment problems.