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Landlords Insurance

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From single properties to large portfolios, residential to commercial units, landlords’ insurance – also known as buy-to-let insurance – provides cover for every eventuality. Although landlords renting property to business and private tenants are not legally bound to buy insurance, buildings and contents cover provides much valued reassurance and peace of mind.

Buildings and Contents covers damage to property such as that caused by unforeseen events like burst pipes, gas leaks, floods and fire. It also protects carpets, electrical goods and furnishings that might be damaged or stolen during the course of a tenancy. In addition:

• Loss of Rent: Landlords depend on rental income, which is why we provide clients with a policy that enables them to recoup lost rent and protect their income. Lost rent can be claimed if your property is vacated or uninhabitable due to accidental damage outlined in the policy.
• Property Owners’ Liability: It may seem unlikely, but injury caused to tenants or visitors can prove extremely costly for landlords, who have a duty of care. This is where landlord liability insurance comes in. The policy pays in respect of injuries or damage incurred on the property. It could be as simple as a visitor tripping over loose paving slab or a child being injured by a falling tile. Property owners’ liability is a fundamental core protection no landlord should be without.
• Legal Expenses: Protection covering legal fees related to issues arising from your rental property. Legal disputes raised by tenants can drag on and on, but with insurance in place, you’ll be able to defend a prosecution made against you and recover rent arrears. Insurance could even cover accommodation costs in the event a tenant refuses to vacate the property, as well as repossession where legally enforceable.
• Home Emergency and Rent Guarantee: Nothing less than round-the-clock cover and access to emergency building services, should your property need time-critical work during an emergency. Rent Guarantee, otherwise known as Tenant Default Insurance, will also protect you from financial loss caused by defaulting tenants. Given that many landlords depend upon rental income to make mortgage payments, they are at the mercy of tenants paying on time – which is why added protection is so valuable.

With limits and benefits tailored to our clients’ requirements, our specialist Landlords Protection Insurance deliver comprehensive protection, even for non-standard properties. Get in touch to find out how we can help.

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