Landlord Contents Insurance

The standard perils landlord insurance covers you for are the same as standard home insurance. They are things like fire, floods, escape of water, subsidence etc. The differences can be things like loss of keys, loss of rent, conditions on leaving it unoccupied, etc. Our online quote system or adviser will be able to discuss your requirements and find something that suits your needs exactly.

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Yes, we can cover accidental loss of keys or where there is reasonable evidence that the keys have been copied by an unauthorised person. We can also cover the replacement of locks and damage from an emergency access. Say your tenants vacate your property and keep a set of keys, or whilst unoccupied you lose the master set. Replacing the locks and keys, or worse, having to break in due to an emergency while you have lost your keys, can cost a considerable amount. We can offer peace of mind knowing these easy accidents can be covered by your landlord contents insurance.

We can provide cover for a wide range of tenant types. So, if for example, that student party gets a bit out of hand and a window gets accidentally broken, you’ll be covered under the accidental damage section of your policy (if you’ve asked for that to be included in your policy).

Yes, we specialise in finding insurance policies for landlords with multiple properties. In fact, if you have between 1 and 50 properties we can often find you discounts on the premiums.

We can also include any new properties on a pro-rata additional premium basis, allowing you to keep the same renewal date for all your properties insured under one policies.

While landlord insurance is not a legal requirement, your mortgage lender may require that you do so. Also, the responsibilities in your tenancy agreement may be best served by an insurance agreement, especially to avoid putting your financial future at risk. You should speak to your legal adviser for specialist legal advice.

You can claim for loss of rent if your building is uninhabitable due to insured damage or an accident which is covered by the property section of the policy.

Whilst landlord insurance can insure your property whilst it is empty, the loss of rent cover will not apply at this time. Unless the property is partially empty and undergoing rebuild following an insured loss during the indemnity period.

Whilst our online insurance portal offers suitable cover to a large proportion of our landlord customers, we always advise speaking to our advisers directly if you have anything out of the ordinary, want specific cover for something or want to discuss ways to get cover even cheaper. We can often discuss lowering areas of cover you may not need, or want, or help you source a discount.

As a specialist broker, we pride ourselves on understanding our customers’ needs and finding them a policy that offers the most suitable landlord insurance, at the right price. However, sometimes this is best done over the phone.

We can provide malicious damage insurance. This doesn’t necessarily come as standard on all policies from our panel of insurers so make sure you ask us for it when you call us or get a quote online.

With malicious damage cover in place, if a tenant damages your building or your contents, you’ll be able to claim and we’ll do our best to recover the cost of the damage caused. So if a tenant spray paints your walls or slashes your sofas, we’ll sort it for you.

Absolutely. We really value experienced landlords and know that when you’ve been at it for a while, you tend to be lower risk. With that in mind, we reward careful and experienced landlords with reduced rates.

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.