What is landlord’s insurance?

Landlord’s insurance can be broken down into 3 areas:

1. Buildings Insurance; protecting the structure, fixtures and fittings of your property.

2. Contents Insurance; furnished or unfurnished… this protects any removable items that you have put into the property, for example, carpets, white goods and sofas.

3. Landlords Legal Expenses; legal protection for you, as a landlord.

Essentially, if you are going to allow someone else to live in your property, you need to give yourself adequate protection to ensure that your property and any contents you have within it are protected.

You can customise your policy to protect you against accidents or malicious damage caused by a tenant to either your property or belongings, home emergencies, legal expenses and rent guarantee.

Why is Landlords insurance important?

Owning a property to rent out can be a great investment and provide an additional boost to your income when things are going well. As soon as your property is empty or there are serious issues with the property preventing you from letting it out, it will quickly become a drain on your resources. Additionally, a lack of adequate insurance can lead to larger maintenance costs which will affect the profitability of your investment.

It is therefore essential that you have the correct cover in place to ensure that you are benefitting from and protecting the positives of being a landlord, rather than having a detrimental affect on your income.

How can our Home Insurance Consultants help you?

We only provide 5* cover, so that you know that the policy you arrange through us is there for you when you need it most. You will be able to discuss your needs with us and we will ensure that the policy covers everything that you require.

If you are becoming a landlord for the first time, our consultants will be able to talk you through a landlord’s policy so that you are fully aware of the cover you will have in place, they will then be able to ensure that it is set up and ready to go from the moment your liability as a landlord begins.

Alternatively, if you already have landlord’s insurance in place, our Home Insurance Consultants can review your existing cover and compare this with our 5* Defaqto rated providers, to ensure that you have quality cover for a competitive price.

  • Your adviser will tailor your policy to fit your needs, ensuring there are no hidden surprises, no hidden fees and no mistakes within your policy.

  • Your adviser will ensure that your premium is the most competitive each year, with no cancellation fees, alteration fees or concealed excesses to pay.

  • Your adviser will ensure that your policy commences at the required time.

  • Your adviser can source protection for all situations, such as flood risk areas, listed buildings, portfolios and anything in between.

  • Portfolio Landlord plans

To ensure you have the right cover in place, contact us today and one of our Home Insurance Consultants will be able to help.

 

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