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LV Landlords Insurance
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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
LV landlords insurance
The Liverpool Victoria Friendly Society – which today trades simply as LV – is the largest and one of the longest established friendly societies in Britain and commands the respect and reputation that attaches to such an illustrious history.
Arranging your landlord insurance from LV, therefore, allows you the opportunity to share in the company’s standing.
Why choose landlord insurance?
If you are an existing or aspiring property owner, you might well be asking yourself why specialist landlord insurance is required instead of standard home building and contents cover.
The simple answer is that once your property is let to tenants – rather than occupied solely by you as the owner – insurers typically require such specialised cover. And the reason they require purpose designed landlord insurance is because the risks and perils faced by your let property are of a different nature and order to those faced by owner occupied property.
As specialists in the provision of buy to let insurance, we offer a quote and buy service for your obligation-free consideration of LV landlord insurance.
What does landlord insurance typically cover?
Although landlord insurance differs from other forms of property insurance, it shares some of the principal features and concerns. Chief amongst these is the safeguarding of the building itself against such potentially disastrous threats as fire, flooding, storm damage, impacts and vandalism.
Similarly, the landlord may also need to safeguard any contents he or she owns (whilst the tenants themselves are of course responsible for insuring their own possessions).
A major difference for landlords, however, is that the property is owned essentially as a business asset and therefore one that also requires safeguarding the smooth running and minimisation of disruption to that business.
Therefore, landlord insurance typically includes provision for compensation in the event of loss of rental income following an insured event.
Also typically included is protection for those responsibilities borne by landlords in particular – such as property owner’s liability and employer’s liability (where others are employed to help run your buy to let business).
Why choose LV landlord insurance?
There are a number of features included in LV’s landlord insurance policies that are encountered in by no means all other such policies, namely:
- cover for building subsidence;
- the inclusion for cover against terrorist acts;
- enhanced property owners liability cover;
- enhanced employer’s liability cover (up to £10 million of indemnity); and
- contents cover against accidental damage as a standard feature.
These are just some of the reasons, therefore, why you might want to choose LV landlord insurance using our service.