What does landlord insurance cover?

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Benefits

  • Flexible, fully comprehensive insurance
  • Easy quote and application process
  • Interest free installments available
  • Covers legal expenses for eviction costs
  • Includes public and employers liability
  • Loss of rent for up to 25% of the sum insured

What does landlord insurance cover?

Although it is a specialist form of cover and therefore occupies a specialist niche in the wider property insurance market, there are still many different types of landlord insurance.

At UKinsuranceNET, we are familiar with the various forms of cover from the leading insurers in the UK and have experience in arranging insurance for all types of let property, let to tenants from every kind of background.

When answering the question what does landlord insurance cover, therefore, we can confirm that it may cover a wide range of different risks and perils, according to your particular, individual needs and circumstances as a landlord. Nevertheless, there are typically a few key elements of cover that most landlords need.

Why do you need landlord insurance cover?

As owners of buy to let property, landlords face a number of risks and perils that threaten loss or damage to the property itself, its contents or other potentially crippling demands on the business:

Building and contents

  • insurance of the structure and fabric of the building, together with any contents owned by the landlord is typically covered, to protect against such risks as flooding, fire, subsidence, escape of water, impacts, vandalism and theft;

Loss of rental income

  • cover also typically extends to the likely loss of rental income you suffer following a major insured event which leaves the let property temporarily uninhabitable or unusable;

Landlord’s liability insurance

  • this is usually included in landlord insurance cover because of the property owner’s general duty of care towards, tenants, members of the public and any visitors to the premises;

  • if anyone is injured or has their property damaged when coming into contact with the let property, claims may be substantial and this element of insurance helps to provide indemnity;

Employers’ liability insurance

  • if you employ others to help run your buy to let business – even if you have a team of cleaners - you are almost certain to have a legal requirement for a minimum of £5 million insurance to indemnify you against claims from any who is injured or contracts an illness or other medical condition as a result of their employment by you.

What you need to know when buying cover

When arranging your insurance cover, it is important to know that you need specialist landlord insurance if your property is let to tenants and that standard home building and contents insurance – commonly used by owner occupiers – is inadequate.

If you rely upon such standard forms of cover whilst the property is let to tenants, you are likely to find that any claim is rejected by your insurer.

This is because insurers typically take a very firm view about the different, additional risks faced by property which is occupied by tenants and used as a business, rather an owner occupied home.

Why choose us?

Choose us at UKinsuranceNET because we are likely to find you a great deal on landlord insurance tailored to your particular, individual needs – leaving your buy to let property safely protected against a whole range of risks and providing indemnity against other liabilities when you might need it.