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Legal & General Landlord Insurance

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  • Save up to 30% on your cover
  • Protect against accidental damage and loss of rent
  • Cover for unoccupied property
  • Flexible, comprehensive insurance
  • Paperless application and immediate cover
  • Many tenant types acceptable

Founded in 1836, Legal & General has become a large multinational insurance company which is not only listed on the London Stock Exchange, but is also a member of the FTSE 100 Index.

In its very earliest years, business dealings and ownership of shares in the company were limited to members of the legal profession. The name Legal & General reflects the opening up of business and shareholding to individuals from all walks of life.

The company’s headquarters are in London and it generates revenues of more than £51.5 and has an operating income of some £1.4 million.

What makes landlord insurance a specialist product?

Unless you arrange specialist landlords insurance for your let property and rely only on the type of standard home insurance typically arranged by owner occupiers, you may be in for a nasty surprise if you need to make a claim for loss or damage to your property. Quite simply, your claim is likely to be rejected.

So what makes landlord insurance – or buy to let insurance, as it is also known – such a specialist product?

When a property is owned and let to tenants as part of a business undertaking, the risks and perils to which the building and its contents are exposed are of a different nature and order to those occupied as a home by its owner.

Furthermore, certain risks to the business itself may also require the benefit of purpose designed landlords insurance.

What does it cover?

The principal business asset – the building itself – needs to be protected against such potentially fatal risks as floods, fire, impacts, storm damage, theft and vandalism.

The same may go for any contents of the let property which remain in the ownership of the landlord – even if these are limited to such items as carpets and curtains in the case of unfurnished residential accommodation.

If an insured event leaves the property temporarily unfit for habitation or use, the threat to the business from loss of rental income may also be met by compensation from the insurance cover.

An important aspect of landlord insurance is also the degree of indemnity it typically offers against claims of the property owner’s negligence in the event of personal injury or damage to the property of tenants, their visitors or members of the public.

These claims may result in very substantial damages, and insurance cover may be as high as £1 million or more.

Why choose a Legal & General landlord insurance policy?

Compensation for loss of rental income – or the provision of alternative accommodation for tenants – in the event of a major insured incident is up to a particularly generous £40,000.

Home assistance – for call outs in the event of emergency breakdowns – is available as an optional extra, as is cover for legal expenses.

Discounts are offered on the insurance of portfolios of property.