Online Quotes
Landlords insurance quote for domestic property
Landlords insurance quote for commercial property
Unoccupied property insurance
Holiday home insurance
Insurance for blocks of flats

Landlords insurance for domestic properties including the following types of let: -

• Unoccupied property insurance
• Thatch insurance
• Holiday home insurance
• Commercial building insurance

Tenants - working, retired, students and DSS can all be accepted at standard rates. Providing a tenancy agreement of at least 6 months is in force directly between you and your tenant.

Landlords Buildings insurance.

As well as a standard tenanted property we can also provide cover for:-

• Unoccupied properties
• Second homes
• Holiday homes

When selecting your landlord's insurance cover as a bare minimum we recommend:-

Buildings insurance, most importantly provides a landlord with public & employers liability insurance. You may not consider this the most important element, but in this litigious age it is an absolute must. Obviously it also covers all major perils such as fire, flood, impact, subsidence and malicious damage by tenants.

We recommend care is taken with Landlords buildings insurance in the following areas:-

• Ensuring that the sum insured is adequate to re-build the property.
• Beware the policy excess; some "cheaper" policies have minimum £1,000 excess.
• Do you require accidental damage on your buildings insurance?
• To what extent is the cover affected whilst the property is unoccupied.
• Is loss of rent cover included as standard?
• Theft, vandalism or malicious damage by tenants should be covered.
• No claims bonus available on renewal.

House rebuilding costs. The sum insured must represent the full reinstatement cost of your property including debris removal and professional fees.

We are unable to offer specific advice on the rebuilding cost of your property. If you are in any doubt we recommend that you seek the advise of a surveyor. We also recommend that you visit www.bcis.co.uk for further information.

Landlords contents insurance

You may also like to consider Landlords contents insurance. If the property that you let is unfurnished then this is obviously not necessary. We offer two types of contents insurance, which cover the majority of scenarios: -

1. We recommend you consider limited contents insurance for landlords who let part furnished accommodation. Limited contents insurance provides cover on an indemnity basis. This means that the claim basis is calculated on the current value of the goods lost or damaged not the replacement cost. Some landlords furnish properties with second hand furniture in good condition this is the most appropriate scenario for limited contents insurance.

Importantly this also provides employers and landlord's liability for the contents of the property.

2. If you target the higher end of the market and let the property fully furnished with quality contents we would recommend you consider comprehensive landlords contents insurance. This policy is much closer to the traditional home policy and your contents are insured on a new for old basis. This obviously includes the relevant liability insurances in relation to your property contents.

Landlords Legal Expenses insurance

A worthwhile add on to a landlords insurance is legal expenses cover. Landlords Legal assistance can be used to recover unpaid rent, help with evicting nuisance tenants and handling tenant disputes. Rent guarantee policies can also be obtained please contact us direct for further details.

Although not available on this website we also offer a comprehensive range of policies for commercial landlords. If this is an area that you are interested in please complete the enquiry form below or call us on 0845 365 1264 quoting ref WS3