Buildings and Contents Insurance, Buildings Insurance only, Contents Insurance only

Your rental property can be a great asset. But as a landlord or buy-to-let investor, if you’re unprepared or just plain unlucky, it can fast become a financial burden.

With our buildings, contents, and combined buildings and contents insurance policies, especially developed for landlords and buy-to-let investors, you can rest assured your rental property is in safe hands.

Our polices have been developed especially for residential landlords and buy-to-let investors. Choose from Buildings, Contents or a combined Buildings and Contents policy which may be better value. The combined policy includes all the benefits listed in our standard Buildings and standard Contents policies.

Highlights of cover*
A full summary of the cover or the full policy terms and conditions are available on request.

Theft and attempted theft – Buildings and Contents

Riot, civil commotion, strikes, labour or political disturbances – Buildings and Contents

Malicious damage – Buildings and Contents

Malicious damage by tenants – Up to £10,000 per claim, Buildings and Contents

Escape of water or oil from any fixed domestic appliance or system – Buildings and Contents

Frost damage to fixed water or heating systems – Buildings only

Accidental damage to buildings – Buildings only

Falling trees and branches – Buildings and Contents

Property owners’ liability – Up to £10,000,000, Buildings and Contents

Standard subsidence excess – £1,000, Buildings and Contents

Period of cover for unoccupied buildings before policy cover is altered (e.g., insurer may require property to be regularly inspected and cover may be reduced) – Up to 60 days, Buildings and Contents

Alternative accommodation (% of buildings sum insured) – Up to 33.33%, Buildings only

Loss of rent—residential (% of buildings sum insured) – Up to 33.33%, Buildings only

Trace and access – Up to £10,000 per claim, Buildings only

Theft of keys – Up to £2,500 in any one period of insurance, Buildings only

Loss of metered water – Up to the buildings sum insured, Buildings only

Unauthorised use of electricity, gas or water – Up to £1,000 per claim, Buildings only

Theft of contents from domestic outbuildings/garages – Up to the contents sum insured, Contents only

Landlord’s contents based on sum insured (optional) – Up to £60,000, Contents only

Landlord legal expenses (optional) – Up to £100,000, Buildings and Contents

*We have negotiated bespoke policies offering cover for landlords and the limits and availability of certain covers may vary between insurers. As with all insurance policies, the policies are subject to limits, conditions and exclusions. For more information, please contact us to discuss further, or request a full summary of the cover or the full policy terms and conditions. The opinions and views expressed in the above article are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information.

Need any help?

If you can’t find the answer you’re looking for in this section please contact us.

For blocks of flats insurance enquiries:

08000 92 93 94

9am - 5:00pm Monday to Friday