Landlord Insurance
We offer good value insurance; other insurers may be cheaper but
lower levels of cover can leave you open to risk. Our claims and
loss adjusting service is available beyond office hours, meaning
our professional, friendly staff are always here for you.
As a residential landlord you face unique risks. In addition to
insuring your property and its contents, you'll need to protect
yourself against legal action arising from an accident or injury on
your property. With our property owner's liability insurance, you
can be confident that you're covered.
Key features of our buildings insurance cover
- Loss of rent and alternative accommodation following an insured
loss
- Accidental damage to fixed glass, sanitary fixtures and
underground services
- Damage caused by emergency access
- Costs of tracing and accessing leaks (up to £1,000)
- Your legal liability as owner of your home
Exclusions of our buildings insurance cover
- Damage by wet or dry rot
- Certain losses or damage when your home is unoccupied or
unfurnished for more than 30 days in a row
- Certain loss or damage caused by you, paying guests or tenants
(if property not professionally managed)
- Damage due to a fault or limit of design, manufacture or
installation. In particular there is no cover for damage to
underground services that do not work because they are worn
out
- The cost of replacing any undamaged items, which form part of a
set, suite or item of a uniform nature
- Loss or damage to your buildings from any cause not listed in
the policy booklet - but wider cover is available with the
accidental damage option
- The first £250 for escape of water claims, £1,000 for
subsidence/heave/landslip claims and £50 for all other claims
Key features of our contents insurance cover
- Accidental damage to audio, video and computer equipment
- Contents in outbuildings (limited to £2,500 for theft) and in
the open (up to £250)
- Replacement locks if keys are lost or stolen (up to £500)
- Loss of domestic fuel and metered water (up to £1,000)
- Loss of rent and alternative accommodation following an insured
loss
- Damage caused by emergency access
Exclusions of our contents insurance cover
- No cover is provided for items used for business or
professional purposes
- Certain losses or damage when your home is unoccupied for more
than 30 days in a row
- Theft or malicious damage caused by you, members of your
household, paying guests or tenants (if property not professionally
managed)
