Our Landlord's Insurance policies have been developed to specifically address the needs of landlords, whether it's a furnished or unfurnished property you're looking to insure, or you just want to cover the building itself. Whether you own the rented property outright or have a buy-to-let mortgage, find out if we can give you a better deal on landlord buildings and contents insurance. You can compare quotations for Landlord's Insurance today from our panel of reputable insurers.
Buy to let insurance is a combination of covers packaged together by insurers to provide landlords with the essential components to ensure that their investment is adequately protected.
All types of landlords require insurance for their properties. From the landlord who owns a single small flat, to the entrepreneur who controls a large portfolio of property, the chances are that a significant amount of capital is tied up in the property, and that a certain amount of income is expected. landlord insurance protects you against losing your capital investment.
If when renting out your property you are asking yourself, "Do I need Landlords Insurance?" Bear in mind that you cannot use your standard household insurance. Such policies are designed solely for owner occupied properties and thereby will provide no protection against any losses which might occur. As a Landlord your liabilities, obligations and requirements change significantly. Consequently you will need a specialist policy to cater for this. For example, you have a duty of care to your tenants as well as the public as a landlord in the event that injury or damage is caused to them arising from your ownership of the property for which you are responsible. Furthermore, should an insured peril cause the property to become uninhabitable, most standard tenancy agreements provide that rent is not payable under these circumstances. In such cases you will need loss of rent cover, something which standard household polices do not provide.
The information contained within this site is intended as a general guide only. Individual policyholders are subject to the terms and conditions contained in their own policy documents which vary by insurer and are also dependant on policyholder's own circumstances and requirements. E&OE.