The limits
- Buildings
- Rebuild cost, per property
- Loss of rent
- Up to 24 months
- Property owner's liability
- £5m
- Standard excess
- £350
One schedule for every property you let, with loss of rent included.
Landlord insurance
from £240 a year
4.9 (612)Buildings, landlord contents, loss of rent and property owner's liability for single lets, HMOs and holiday lets, all on one schedule and one renewal date.
Who it suits. Landlords with one flat or forty, including HMOs, student lets, holiday lets and properties between tenants.
Standard excess £350. The price shown is typical for a plain risk, not a quote.
What is covered
- Loss of rent while a property cannot be let after an insured event
- Rehousing a tenant when the property is uninhabitable
- Malicious damage by tenants, if you add it
- Unoccupied cover between tenancies, agreed in advance
- Landlord's contents: carpets, white goods and furniture you supply
What is not
- Rent arrears, unless you add rent guarantee cover
- Wear and tear and gradual damp
- Properties let to tenants you have not referenced, where the policy requires it
How we place it
Landlords usually come to us with three or four policies on three or four renewal dates. We put every property on one schedule, so there is one renewal, one excess to remember and one number to ring.
The detail that matters most is loss of rent. After a fire or a flood a flat can be empty for months, and the rent stops while the mortgage does not. We set the indemnity period to how long a rebuild really takes in your area, not the insurer’s default.
HMOs, student lets and holiday lets are placed with insurers who write them on purpose. Tell us about properties that are empty between tenancies before they become empty; it is a phone call, and it saves a declined claim.
A claim we handled
Ceiling down after a leak upstairs
Tenant below had to move out for three weeks. The policy paid the repair and the lost rent, and the tenant’s hotel was sorted before the end of the day.
- Insurer paid
- £6,980
- Excess
- £350
- Days to settle
- 14
