Landlords Insurance Guide

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Landlords Insurance Guide
There are many different types of Landlord, as there are different types of landlords insurance. From the individual who is renting out their second home to the ambitious property business man with an ever-increasing portfolio of dockside apartments. The common theme for all types of landlords is the need to purchase landlords insurance to protect their investments.

As a landlord, you are effectively using your property as an extra source of income – and this needs to be protected. Successful property investment is all about offsetting or transferring the risk to another party. To do this successfully then you need to arrange specialist insurance policies that are designed for tenanted properties. Again, a familiar mistake many landlords make is to assume that standard domestic insurance is sufficient cover, when in fact, many risks are simply not covered under this type of insurance.

A normal home insurance policy is not valid when you are renting out and taking an income from any property. This is because a standard property insurance policy usually doesn't provide as much cover as a specific landlords insurance would, e.g. you wouldn't have the additional cover, such as property owner liability, to provide cover against any claims your tenant or others may make against you for any injury or illness they receive within or outside of your property.

What is required is a residential landlord policy that can guarantee to protect your investment. This type of policy will also cover any property owners’ liability including employers liability cover and will offer other extensions which can include things such as full accidental damage cover, loss of rental income in addition to which the policy may even be extended to cover landlords legal costs for things like the eviction of squatters.