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What is landlord insurance?

What does landlord insurance cover?

What does landlord insurance include and exclude?

How much does landlord insurance cost?

How to get a quote for landlord insurance?


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Letting property can be a profitable business, but as a landlord you'll know it isn't without its risks. The fact is that investing in the market is a big financial commitment, so it's likely that you'll want suitable financial cover in place.

Whether you’re a commercial or domestic landlord, a property developer or buy to let investor, there are a number of different risks that could threaten your assets. That's where landlord insurance comes in.


What is landlord insurance?

Landlord insurance – also known as buy to let insurance and property owners insurance – isn’t technically a type of insurance itself, but rather a collection of different forms of cover that landlords can purchase to help protect their assets against risk. A landlord insurance policy comprises these various types.

As each landlord’s assets and property portfolio will be different, it stands to reason that each landlord will require different protection from their insurance. This is why it’s often beneficial for landlords to seek a bespoke insurance policy tailored to their exact needs, as this will help to ensure that they don’t leave themselves vulnerable.


What does landlord insurance cover?

As stated, it’s likely that different landlords will require different forms of protection for their property. However, a typical residential landlord insurance policy will provide cover for the following key areas:

Landlord buildings insurance

As a landlord, your property is one of your most important assets, and as such you’ll want to protect it against the things that threaten its security. Landlord buildings insurance can protect the bricks and mortar of your rental property – and sometimes permanent fixtures such as kitchen cabinets – against damage, loss and theft.

If you are looking for a prices on insurance to protect you when renting out commercial properties, such as an office, click the link to compare office insurance quotes.

Landlord liability insurance

If someone was injured, or their possessions were damaged, due to a fault with your rental property, then you could be held liable. In this unfortunate situation, having the right liability insurance in place could help you to pay for a legal defence, and third party compensation if necessary, so that you aren’t left in a difficult financial position.

Landlord contents insurance

If the contents of your properties are lost, stolen or damaged this policy can cover the cost of replacing them. This can be particularly valuable if you let furnished properties, as you have the assurance that those furnishings are protected. It’s worth noting, however, that tenants’ own possessions are typically not included in this cover.

Landlord legal cover

This type of insurance can cover the cost of legal proceedings in the event of any disputes over your tenancy agreements. In this situation, there’s no guarantee that you would be able to afford the cost of a legal defence – or potential compensation that may need to be paid – which is why this cover can be so beneficial.


What does landlord insurance include and exclude?

There’s a good chance that you may want to include extra forms of protection in your buy to let insurance policy, to safeguard wider aspects of your business. Some of these additional forms of cover could include:

  • Accidental damage insurance for landlords

An extension that can be added onto buildings or contents insurance, accidental damage insurance could protect against damage or loss of function caused by events such as unintentional breakage or spillage.

  • Home emergencies cover

Can compensate the cost of emergency repairs to your property’s supply of gas, electricity, heating or water, and can include pest infections, glazing and security.

  • Impact cover

Could provide you with financial help if structural damage is caused to your property due to vehicles and falling trees, animals, aircrafts and masts.

  • Alternative accommodation insurance for landlords

Alternative accommodation insurance for landlords is a form of cover that provides protection in case a property you let becomes uninhabitable resulting in you needing to provide an alternative arrangement for your tenants.


How much does landlord insurance cost?

As mentioned above, the exact types and extent of cover that you take out will probably differ from that of another landlord. Naturally, this can affect the cost of your landlord insurance, as the more comprehensive your insurance package, the higher the price is likely to be. To ensure that your striking the right balance between cost and cover, it can help to run a thorough comparison of landlord insurance quotes before switching.

Other factors that can influence the cost of your property owner’s insurance package include:

  • The postcode area
  • Your insurance claims history
  • The building and rent sum insured.

This makes it difficult to predict how much any landlord’s overall insurance policy will cost – without a proper analysis of their needs – as prices can vary greatly.

The best way to find out how much buy to let insurance would be for your landlord business is to obtain a quote from an insurance provider or broker.


How to get a quote for landlord insurance?

Looking to get a competitive quote on your landlord insurance package? You’re in the right place. A quick phone call with one of our business savings experts is all it takes to understand exactly which types of insurance you need. With this information, they are can then find you a competitive price on your business’s insurance, and even help you switch!

To get started, all you need to do is call 0800 068 5222 to speak with one of our business savings experts, or fill out the call back form at the bottom of this page to organise a call back at a time that’s more convenient to you.

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