Landlords Insurance

With your investment property being a source of income, as a landlord you will want to ensure that it is protected in the event of fire, flood, subsidence and vandalism as not having suitable cover in place could result in a significant financial loss for you. If you have a mortgage it is likely that the terms of your Buy to Let mortgage require you to have adequate buildings insurance in place (which is included in this policy). You may also wish to add optional extras to enhance the level of cover that will provide you with the peace of mind that your investment is fully protected. We have listed some key points regarding Landlords Insurance and will be happy to advise on & recommend a competitive policy that meets your requirements.

About Us

Cubic Financial Services is dedicated to providing clients with expert advice on Mortgages (Residential & Buy to Let) & Protection (Life Insurance, Income Protection, Accident Sickness & Unemployment insurance). We are also able to assist you if you have any Commercial, Bridging & Development Finance requirements. We are committed to putting clients at the heart of everything we do and to developing long-term relationships with our clients. This is achieved by ensuring that we understand the individual needs of each client.

Whilst we pride ourselves on the friendly and approachable nature of our advisers and on being an integral part of the local community in Slough and surrounding areas, we at Cubic Financial Services are keen to help clients nationwide, to ensure that you have access to the right advice regardless where you live.

Landlords Insurance Key Points

Contents cover

Provides protection in the event of theft or damage to furniture, fixings and appliances. This is particularly useful if you are letting the property on a furnished basis whereby you have provided items for the tenants to use for the duration of their tenancy.

Loss of Rental Income

If your property is unhabitable due to events such as flood or fire, this benefit will allow you to claim back some of the rent that is lost because of the property being unsuitable to reside in.

Legal expenses cover

In the event that you have a dispute with your tenant, whether it is in relation to protecting your property or the need to evict a problematic tenant, this benefit will provide financial support to enable you to pursue legal action against them.

“We are committed to putting clients at the heart of everything we do and to developing long-term relationships with our clients”

House in Multiple Occupation (HMO) insurance

If your property is let out as an HMO then a standard landlords policy may not provide you with the cover that you require (as the risks of letting the property in this way could be higher) therefore it is important that the policy is HMO specific, otherwise, you could run the risk of the insurer not paying out in the event of a claim.

Home Emergency Cover

Covers parts and labour in the event of an unexpected breakdown of an essential service like heating, electrics, pest infestation or plumbing and drains.

Note: If you are purchasing a property you should ensure that you have buildings cover in place at the point of exchange of contracts.

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