If you are letting a property – any property – to tenants, the appropriate type of protection is landlord’s insurance, in place of the standard home building and contents insurance that may already be in place.
Landlord home insurance is required because the way in which the property is occupied and the purpose for which it is used – namely as a buy to let business – pose significantly different risks.
Thee fact that you are letting such a home, therefore, becomes a material fact which any insurer is entitled to know and in the absence of such information is able to decline any claim for loss or damage to the property.
On the assumption that you have informed your insurer and arranged your insurance – what is likely to be covered?
When your home is let to tenants, therefore, landlord insurance is designed to safeguard your investment in both the physical property of your business and in other intangible risks and perils it may face.
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