What does Landlord Insurance cover?

Cover for damage to the fabric of your rental property, such as walls and floors. This includes protection for accidental damage, subsidence, heave and landslip.

This protects you against injury or property damage claims made by tenants, their visitors or members of the public.

Designed to cover your rental income if your property becomes uninhabitable in the event of an insured event (such as flood or fire).

This can provide up to £5,000 to cover the cost of a replacement lock, if it gets damaged or the keys are lost.

If there is a gas or water leak within your rental property, this cover provides up to £25,000 to find the source. Please note that this does not cover the cost of repair.

Cover for such items as carpets, curtains, free-standing white goods, which you may have left in your rental property. It includes accidental damage, malicious damage, new for old, flood & escape of water.

Most insurance policies apply terms to a property insurance policy when it has been empty for 30 days. We have access to policies that can cover up to 90 days unoccupied, giving you peace of mind that your property is protected while there is no tenant.

This policy covers you for the cost of taking a tenant to court to evict them following a breach of the tenancy agreement or non-payment of rent. The cover also covers the rent and will pay your outstanding rent for up to 12 months. Our policy has access to lawyers that specialise in the rental market. There is also the added benefit of a free legal help line which is managed by qualified solicitors.

Minimise disruption for you and your tenants in the event of an emergency. This add-on policy gives you access to professionals to 24 hours a day, 365 days a year, so you get the problem sorted fast.