Our Landlords Insurance is Defaqto 5 star rated and gives you a comprehensive range of features and benefits, such as alternative accommodation for your tenants, new for old replacement, and malicious damage cover as standard.
- Buildings covered up to £1,000,000 as standard
- Options from £10,000 to £50,000 of Contents cover available
- Up to £2,000,000 Property Owners Liability cover
- Malicious Damage by tenants covered as standard
- Up to £200,000 for alternative accommodation and loss of rent receivable if the property is uninhabitable due to an insured event
- A single policy wording underwritten by a carefully selected group of the UK's leading insurance underwriters
Our optional extras
Accidental Damage - Buildings
By adding Accidental Damage to the Buildings Insurance policy, we’ll provide cover for visible damage to your property which happens suddenly and has not been caused on purpose or inevitably, such as a tenant nailing through a pipe when putting a picture on the wall, or putting a foot through the ceiling when up in the loft.
Accidental Damage - Contents
Accidental Damage cover can be added to the Buildings and Contents Insurance policy to provide cover for visible damage to your contents which happens suddenly and has not been caused on purpose or inevitably, such as the television being accidentally knocked off its stand by a tenant, or a spillage on the carpet.
You can claim up to £2,500 per month for rent arrears that may have accrued under the tenancy agreement (maximum of £25,000 per annum) and up to £100,000 of legal expenses to cover fees that you may incur when evicting the tenant.
Note: Any dispute arising within the first 60 days of the period of insurance will be excluded if the tenancy agreement commenced prior to the inception of this policy.
Landlords Emergency Cover provides a 24-hour service with access to approved tradesmen to resolve a range of emergencies, for example, your tenants being completely locked out of the property, or complete failure of the heating or electrics. Call out charges, parts and labour costs are covered up to £1,000 (including VAT) with no excess to pay.
Legal Expenses for Landlords can be added to Buildings or Buildings and Contents cover to provide up to £100,000 of legal support to deal with a range of unforeseen circumstances such as property disputes, tenant eviction, and tax protection.
Note: Rent protection and eviction disputes arising within the first 60 days of the period of insurance will be excluded if the tenancy agreement commenced prior to the inception of this policy.
We want to let you know...
As with all landlord's insurance policies there are circumstances when cover can't be offered or a claim paid. For example, any loss or damage caused by storm or flood to fences, hedges and gates and any loss or damage caused by pets.
These are only examples. For full details of what's covered and what's not covered please read our Landlord's Insurance policy document. Alternatively, you can find further information in our Insurance Product Information Document for Landlords Insurance.