Landlords Insurance

Protecting your Buy to Let property in case of damage caused by unforeseen circumstances

Protecting Your Investment Property

Not only is landlords insurance—including buildings cover for your buy-to-let investment—likely to be a mandatory requirement by your mortgage lender, it’s also essential for protecting the property itself. This important policy safeguards your building against unexpected events that could make it uninhabitable for tenants or significantly impact its value.

Landlords (Building) Insurance

What Type of Protection is Available?

Whilst the list is not exhaustive, some common situations that landlords insurance—particularly buildings cover—can protect against include fire, flood, subsidence, and vandalism. Damage to bathroom and kitchen fixtures is also usually included. Most insurers allow you to enhance your landlords insurance through optional extras.

We’ve listed some of them below and will be happy to advise you on a policy that meets the mandatory requirements of your mortgage lender, while giving you peace of mind that your property and the contents provided to tenants are fully protected.

Structure

To cover loss or damage to your buildings caused by certain events such as fire,
storm, flood, theft, escape of water, malicious damage and vandalism.

Underground Infrastructure

To cover loss or damage
caused by accidental breakage of drains,
cables and underground pipes

Burst Water Pipe

To cover damage to the building caused by burst water pipe. Damage to batch & kitchen fixtures is usually also included.

Legal Costs & Liability

To cover sums you are legally liable to pay as the owner of your property.

Optional Extras

Enhance Your Cover. For a Greater Peace of Mind.

Here are some common add on’s that can be added to your landlords insurance to provide a more comprehensive cover.

Landlords Insurance 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 inhabitable 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.

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.

Buildings Insurance & Your Mortgage

If you are purchasing a property, you will usually need to ensure that you have building cover in place at the point of exchange of contracts to provide to your mortgage lender.

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