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Zurich Landlords Insurance
Save up to 30% on your renewal premium
Many tenant types acceptable
Greatest buy to let deals available
Up to 20K free contents cover available
25% multi building discount available
Up to 13 weeks cover for vacant properties
Zurich landlords insurance
With a name like Zurich, there are no prizes for guessing that this major player in the insurance industry has its roots in Switzerland. What may come as more of surprise, however, is the standing and well established reputation carved out by the company for its landlords insurance products.
Why does a landlord need specialist cover?
Safeguarding a building and its contents against the risks and perils capable of causing significant loss or damage is something with which most home owners may be familiar – the investment made in your home after all is likely to be one of the biggest investments you ever make.
The landlord’s purchase of a buy to let property is also likely to represent a considerable financial investment and one that needs to be safeguarded against similar risks and perils.
But the similarities end there. Whilst the owner occupier’s home is just that, a place of residence, the landlord’s let property represents a business asset and one intended to provide the principal engine for the rental income on which the enterprise is expected to prosper.
As a business asset rather than a home in which to live, let property requires the specialist cover of landlord’s insurance.
You might want to explore the specialist nature of this type of insurance a little further by visiting our free, no-obligation quote and buy service.
What is typically covered?
Just as business assets come in all shapes and sizes, so too do the many types of property suitable for buying to let. Although the detail may vary, however, safeguards typically provided by landlords insurance are likely to include:
- cover for the building itself against risks which include fire, flooding, impacts, storm damage, vandalism and escape of water – and which or may not include subsidence cover, depending on the insurer;
- cover for the landlords contents of the let property;
- compensation for loss of rental income or the provision of alternative accommodation in the event of an insured incident; and
- indemnity for the landlord’s responsibilities and obligations as the owner of the property.
Why choose Zurich’s landlord insurance policy?
Zurich markets a line of insurance products specifically designed for small and medium sized businesses – including buy to let businesses – with a turnover of typically up to £5 million.
For buy to let residential property owners, Zurich’s real estate policy is entirely flexible, allowing you to mix and match or add elements of cover for which you have a particular need.
You might want to note that the company’s building insurance includes cover for subsidence as a standard feature. You might also be interested in the fact that the real estate policy also includes cover for the reasonable costs and expenses involved in evicting troublesome tenants (provided the insurer’s authorisation has been secured in advance).