DSS Landlord Insurance

Landlord insurance can be different if you let your property to DSS/DWP tenants. It’s important to inform your insurance provider of the type of tenants you will be renting to. Regardless of whether they are students, DSS/DWP or professionals it's important to provide all the information in order to get the best value out of your policy.

Yes, irrespective of the type of tenants you have, you'll want to protect yourself in the event of insured property damage which renders the building uninhabitable. As landlords rent properties primarily to earn rental income, you could find yourself out of pocket for a long period of time, possibly until the property is fully repaired.

No. The reason is that you can’t insure something that’s not yours. You wouldn’t try to put on cover something that belongs to your neighbour or friend and the same principle goes for your tenants. You need to have insurable interest in the item you want to protect against loss or damage.

Buildings does not just mean the structure of your property, it can also include outbuildings, greenhouses, extensions, porches and conservatories, paths, driveways and patios, walls, gates and fences. However, damage to walls, gates and fences by storm or flood is excluded. For an accurate description of what is deemed to be part of your buildings cover you should refer to the definitions page in your own policy wording as it can vary per insurer.

Damage to Landscaped gardens, trees and shrubs is normally excluded under buildings insurance and can usually be covered through extension for damage caused by emergency vehicles attending a fire.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.