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Landlord insurance quotes

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Benefits

  • Greatest buy to let deals available
  • Up to £20k free contents cover available
  • 25% multi building discount available
  • Many tenant types acceptable
  • Massive discounts for portfolios
  • Excellent cover whilst property is unoccupied

Landlord insurance quotes

If you are looking for landlord insurance quotes, you probably have two main objectives in mind:

  • finding the policy or policies that meet your particular, individual needs and circumstances as a landlord; whilst

  • saving money on that purchase by securing good value for money as reflected in competitively priced premiums.

If that is your quest, here at UKinsuranceNET we are set up to help you.

Why do you need landlord insurance?

Just as the name suggests, landlord insurance is written especially with the landlord in mind and aims to protect not just the let property that is owned, but also to guard against the many and varied risks and perils which threaten a buy to let business:

Landlord liability insurance

  • with the role of landlord there comes a number of responsibilities and obligations;

  • chief amongst these is a duty of care you owe towards those who enter your let property – your tenants, of course, but also any visitors and members of the public;

  • if any one of these individuals alleges that you have somehow breached that duty of care, resulting in their injury, you may face a substantial claim for compensation;

  • landlord insurance typically includes indemnity against such claims – of at least £1 million and maybe more;

Employers’ liability insurance (optional)

  • in addition to your tenants and members of the public, you also owe a special duty of care towards anyone you might be employing to help run your buy to let business;

  • in fact, you are required by law (in all but a few exceptions) to hold a minimum of £5 million employer’s liability cover to indemnify you against claims from any employee who is injured or contracts a medical condition or illness as a result of their employment;

Building and contents insurance

  • insurance cover for the structure and fabric of the building and any contents you may own is commonly a cornerstone of any landlord insurance, playing its part in protecting what is likely to have been a significant investment on your part;

Loss of rental income

  • your buy to let business depends on the income you receive from rents, but if a major insured event makes the accommodation temporarily unusable, you stand to lose that rental income;

  • landlord insurance commonly compensates you for any loss of rental income in such an event.

What you need to know when buying cover

What you need to know when comparing insurance quotes and before buying your cover is that specialist landlord insurance is required from the moment your accommodation is occupied by tenants.

Standard home insurance – typically arranged by a home owner occupier – does not provide the cover you need. Indeed, if you rely upon that kind of cover when the property is let to tenants, you are likely to find any claim you make denied.

Policy features and benefits can vary among providers, so never assume that what is included as standard with one policy will also be included automatically with a policy from a different provider.

Why choose us?

The landlord insurance quotes we prepare here at UKinsuranceNET are carefully designed to provide all the cover you need to safeguard and protect your buy to let business – at a competitive price.

If you are looking for an insurance quote on a whole portfolio of let properties, we are in a position to find you even more competitively priced cover.