Landlord Building and Contents Insurance
Why you need landlord buildings and contents cover
Your rental property can be a great asset. But as a landlord, if you’re unprepared or just plain unlucky, it can fast become a financial burden.
- Buildings and Contents Insurance
- Buildings Insurance only
- Contents Insurance only
Key benefits of cover
- the building up to the sum insured
- garages, domestic outbuildings
- car parks, roads, pavements, terraces, patios, drives and footpaths
- walls, fences, gates, canopies, TV aerials, satellite dishes, external lighting,lamp posts, fixed signs, CCTV
- drains, sewers and septic tanks
- fire, storm, flood
- public liability up to £2 million (option to increase to £5 million)
- landlords’ contents up to the sum insured on the policy
Our polices have been developed especially for residential landlords and buy-to-let investors. Choose from Buildings, Contents or a combined Buildings & Contents policy for 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 & attempted theft
- Riot, civil commotion, strikes, labour or political disturbances
- Malicious damage
- Malicious damage by tenants Up to £10,000 per claim
- Escape of water or oil from any fixed domestic appliance or system
- Frost damage to fixed water or heating systems
- Accidental damage to buildings
- Falling trees & branches
- Property owners liability – Up to £5 million
- Standard subsidence excess £1,000
- Period of cover for unoccupied buildings before terms apply – Up to 60 days
- Alternative accommodation (% of building sum insured) – Up to 33.33%
- Loss of rent – residential (% of building sum insured) – Up to 33.33%
- Trace & access – Up to £10,000 per claim
- Theft of keys – Up to £2,500 in any one period of insurance
- Loss of metered water- Up to £5,000 per claim
- Unauthorised use of electricity, gas or water – Up to £1,000 per claim
- Theft of contents from domestic outbuildings/ garages – Up to 5% of the Contents Sum Insured
- Landlord’s contents based on sum insured (optional) – Up to £30,000
- Landlord legal expenses (optional) – Up to £50,000
For a copy of our guide to Residential Landlord insurance, the cover provided under a standard policy* and examples of how the cover could benefit you, click here.
* For full terms and conditions please refer to the policy wording available on request. As with all insurance policies, the policy is 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.