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More Than Landlords Insurance
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Protect against accidental damage and loss of rent
Specialists in Landlord Insurance
Despite the modern name, More Than has an illustrious history stretching back many years and is the high street brand of Royal Sun Alliance (RSA).
- an insurance company called the Sun was founded in 1710;
- another company called the Alliance was founded in 1824;
- the two companies merged as Sun Alliance in 1959;
- in 1996, Sun Alliance acquired Royal Insurance (founded in 1824) to form Royal and Sun Alliance;
- the company was rebranded as RSA Insurance Group in 2008; and
- the trading name More Than is wholly owned by RSA and was launched in 2001.
What makes landlord insurance a specialist product?
On the face of it, standard home insurance and landlord insurance might appear very similar. If you own buy to let property, however, it is vital that you distinguish between the two.
What makes landlord insurance a different, specialist product is the very fact that it is designed to protect property occupied by tenants (rather than owner occupiers) and the buy to let business being run by a landlord – whether that landlord is a “professional” or “accidental” landlord.
The difference in the use of the property is critical to insurers’ assessment of the risks and perils facing the property and its related business purposes. It is that assessment which determines the terms and conditions of the insurance contract and the price of the premiums to pay for it.
What does it cover?
Landlords insurance may appear similar to standard home insurance simply because it shares the same objective of protecting the structure and fabric of the building from such potentially serious risks as fire, storm damage, flooding, impacts, vandalism and theft.
Similarly, the contents of the let property may also be covered by landlords insurance.
In the case of landlords – or buy to let – insurance, however, property owner’s liability cover is all the more critical since it protects the landlord against claims from any tenant, their visitor, or member of the public who may suffer an injury or have their property damaged as a result of the landlord’s alleged negligence as the property owner.
Landlords insurance may further protect the business interests of the buy to let property owner by providing a degree of financial compensation for the loss of rental income which may result from the premises becoming uninhabitable following a major insured event.
Why choose a More Than landlord insurance policy?
The company’s own claim is that it provides 5-star cover for landlords at a competitive price, for what it considers to be one of the most comprehensive levels of cover offered by anyone in the market.
Discounts are available for portfolios of more than one let property.
The company’s call centres are all based in the UK.
More Than maintains a 24/7 helpline through which advice on legal matters, health and safety questions for landlords and claims procedures may be provided.