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Landlord house insurance
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Landlord house insurance
If you own a house which you let to tenants, you are by definition a landlord. It doesn’t matter whether you are what might be called a “professional” landlord, having set up a buy to let business specifically for that purpose, or whether you are an “accidental” landlord – perhaps because you inherited a house or are letting your previous home after having moved on to a new one.
If you are the owner of that property and it is let to tenants, you are likely to be in search of landlord house insurance.
Why do you need landlord house insurance?
You might argue that the house once inherited by a member of your family or one that you lived in before moving on, already has standard home building and contents insurance.
The moment that property is let to tenants, however, there is such a significant change of use that insurers consider the standard form of insurance for an owner occupier to be no longer appropriate. Instead, you need specifically written landlord house insurance.
The reason is fairly straight forward. With the change in use to a let property, your house becomes what is essentially a business asset – you are earning an income from rents and may also be hoping for some capital appreciation on your business investment if and when the property comes to be sold.
The change in use is sufficiently significant – such a change in the “material facts” of the insurance contract – that any insurer is entitled to reject your claim for loss or damage if the house is let and you have only standard home insurance, suitable for an owner occupier.
What you need to know when buying cover
The reasons for this may become clearer once you ask yourself what you need to know about landlord house insurance – namely, what is and what is not typically covered in such a policy:
Building and contents
just as with insurance for your own home, insurance for landlords typically has at its heart protection of the structure and fabric of the building and of the contents you own against such major risks as fire, floods, subsidence, storm damage, smoke damage, burst pipes, impacts, theft and vandalism;
the total building sum insured needs to reflect the possible costs of reconstructing the entire building if it is destroyed in a major insured event;
Landlords liability insurance
as the landlord, you have a special duty of care towards members of the public, your own tenants and their visitors, so that you need to take all reasonable precautions to prevent anyone being injured or having their own property damaged when in the house you let;
if you are alleged to have breached that duty of care, the claim for compensation may be very substantial, so landlord liability insurance typically provides indemnity against such claims;
Loss of rental income (optional)
- landlord house insurance may also provide compensation – or alternative accommodation – if the property is so damaged by an insured event that it becomes temporarily uninhabitable and you face a loss of rental income.
Why choose us?
The landlord house insurance we arrange here at UKinsuranceNET reflects all of these potential concerns, risks and perils, providing the cover you need in return for competitively priced premiums.