Landlord Insurance

Landlord insurance covers the risks you face when letting or leasing a property that standard building and contents insurance may not cover. Also known as buy-to-let insurance, it covers you for damage to the buildings or to your contents against a range of perils such as flood, fire, burst pipes or storm. You can also choose from several optional covers like accidental damage, loss of rent, landlord emergency and legal expenses cover, which covers the costs and expenses in dealing with a range of legal matters such as contract disputes, tax and VAT investigations, repossession and eviction of squatters.

Landlord insurance will always include buildings insurance as standard to cover any damage caused by fire, flood, or storms. It will also help with the costs associated with repairs.

Property owners’ liability is also included as standard and protects you against third-party claims, for example, if someone injures themselves on your property.

Subsidence cover protects you if a land shift under your property causes considerable structural damage.

You’ll also be covered for:

• Cover to re-house your tenants in alternative accommodation – if your property can’t be accessed or lived in due to damage, we’ll look to re-house them in the event of a valid claim.
  • Please note: We will only do this if your tenants don’t already have this covered under their own insurance.
• Cables and underground pipes cover – we’ll pay you for the costs incurred following damage to pipes or cables, including essential utilities such as electricity, gas, and water.
• Please note: your policy can be extended to include trace and access to find the fault.

Contents cover is another important part of any landlord insurance policy, as this covers any fixtures and fittings that might be covered over the course of a tenancy.