FAQs Archive - CIA Landlords

When will I get my landlord’s rental insurance documents?

Documentation is usually emailed to you within 48 hours, but we are happy to post out hard copies upon request. All of our policy booklets are available online, and a link will be provided in your welcome pack.

How long is a buy-to-let insurance quote valid for?

Our buy-to-let insurance quotes are valid for 30 days.

How can I reduce my landlord’s building insurance cost?

By choosing CIA for your landlords building insurance quote, you can find cheap landlords building insurance through our comparison quotes. Unlike other comparison sites, we compare against nine leading insurers to ensure you get the best deal possible.

What does landlord contents insurance cover in a flat?

Landlord contents insurance for flats includes cover for the cost of repair or replacement of furniture and appliances that you provide in your rental flat in the event of a claim.

Do I need landlord contents insurance for flats?

Yes, as a landlord renting out a flat, the same rules apply, and you will need to invest in landlord contents insurance for flats. We also offer specialist landlord flat insurance to protect you in the event of fire, theft and damage to the property and its contents.

What are hairdressers / beauty salons' legal responsibilities?

Hairdressers and beauty salons have one legal requirement regarding insurance. You must have employer's liability insurance. This covers medical expenses and lost wages for employee injuries that occur on the job. In most countries, having this insurance is mandatory to operate legally.

Can I cover non-hairdressers / Beauty Salon properties on the same policy?

We can cover multiple properties on the same policy. Get in touch for further details.

I own multiple beauty salons, can you cover me?

Yes, CIA can create a tailored quote to cover multiple beauty salons. Give us a call or request a call back to discuss your needs.

How often should I review my salon insurance policy?

Review it annually or whenever your business changes (services offered, location, staff size) to ensure it remains adequate.

Should I choose a high or low deductible?

A higher deductible lowers your premium, but you'll need to cover more out-of-pocket if you make a claim. Choose what best suits your financial situation.

What's the role of CIA in Hairdressers / Beauty Salon Insurance?

CIA can compare quotes from multiple insurers, negotiate coverage, and tailor a policy to your specific needs.

What are the most common risks covered by salon insurance?

The most common risks typically include customer or employee injuries, property damage, product liability, and business interruption.

Can I transfer my motorcycle insurance to another bike?

Yes, you can usually transfer your policy to another motorcycle, but you'll need to notify your insurer to adjust your coverage and premium based on the specifics of the new bike.

How is the cost of motorcycle insurance determined?

Insurers consider several factors, including the type, make, and model of your motorcycle, your riding history, age, geographical location, and chosen coverage types. Riding experience and previous claims also affect the cost.

What is the difference between comprehensive and third-party liability coverage for motorcycles?

Third-party liability insurance covers damages or injuries you might cause to other people and their property. Comprehensive insurance covers your motorcycle for theft and damage caused by vandalism, fire, and natural disasters, regardless of fault.

How can I choose the right motorcycle insurance policy?

Consider the value of your motorcycle, how often you ride, and your personal financial situation. Think about coverage for collision, comprehensive, liability, and any extras you might need like roadside assistance or gear coverage. We will help you to find best rate and coverage!

What does motorcycle insurance typically cover?

Motorcycle insurance generally covers damage to your motorcycle, liability for damages or injuries you may cause to others, and possibly medical costs for injuries you sustain. Optional coverages can include roadside assistance, theft, and damage from natural disasters.

What should I do in the event of an accident involving my business vehicle?

Immediately report the accident to your insurer. Provide all necessary information and documentation, including police reports and damage assessments. Prompt reporting helps ensure that claims are processed efficiently.

How can I reduce the cost of my commercial vehicle insurance?

Maintaining a good driving record, choosing vehicles with strong safety features, and increasing deductibles can help lower your premiums. Additionally, bundling multiple policies with the same insurer can also lead to discounts.

What factors affect the cost of commercial vehicle insurance?

Factors include the type and number of vehicles, their use, the driving records of all drivers, and the level and types of coverage selected. The more extensive the coverage and the higher the risk, the higher the premium.

Can I customise my commercial vehicle insurance?

Yes, commercial vehicle insurance policies are highly customisable. You can choose from various coverage options to match your specific business needs, including roadside assistance, cargo coverage, and coverage for equipment and tools.

How is commercial vehicle insurance different from personal auto insurance?

Commercial vehicle insurance offers higher coverage limits and can include multiple drivers on a single policy. It's specifically designed to address the unique needs and risks of business vehicle operations, unlike personal auto insurance which covers individuals and their personal use vehicles.

What does commercial vehicle insurance cover?

Typically, it includes liability coverage for damages or injuries caused by your vehicles, collision coverage for damages to your vehicles from accidents, comprehensive coverage for non-collision-related damages, and coverage for uninsured motorists.

Who needs commercial vehicle insurance?

Any business that uses vehicles for work-related activities, such as transporting goods, ferrying passengers, or providing services, should have commercial vehicle insurance. This includes businesses with fleets as well as single-vehicle operations.

What is commercial vehicle insurance?

Commercial vehicle insurance is a policy designed to cover vehicles used for business purposes. This includes coverage for damages resulting from accidents, theft, and other risks specific to business operations.

What is accidental damage cover in household insurance?

Accidental damage cover is an optional extra that protects you against losses from unintentional incidents like spilling paint on a carpet or breaking a window while playing sports inside. This cover is not typically included in standard policies and must be added for an additional fee.

How can I reduce my household insurance premiums?

You can often reduce your premiums by installing security measures like burglar alarms and smoke detectors, increasing your deductible, and bundling multiple insurance policies with the same provider. Regularly reviewing and adjusting your coverage can also help keep costs down without compromising on necessary protection.

What should I do if I need to make a claim?

Contact us! Provide all necessary documentation and information related to the incident, such as photos of the damage, police reports (if applicable), and a list of stolen or damaged items.

Can I get coverage for items outside my home?

Yes, we offer personal property coverage that can protect items outside of your home such as bicycles, laptops, and phones when you're away from home. This is often called "personal possessions cover."

How do I choose the right type of household insurance?

Consider what aspects of your home and belongings you most need to protect. Decide if you need contents insurance, buildings insurance, or a combined policy. Assess the value of your belongings and the rebuild cost of your home to determine adequate coverage levels.

What does accidental damage cover include in pub and restaurant insurance?

Accidental damage coverage is an optional extra that safeguards against unexpected events, such as accidental kitchen fires or the breakage of glassware during daily operations. While not typically included in basic policies, this coverage can be added at an additional cost to enhance your protection against unforeseen incidents.

What strategies can help reduce insurance costs for my pub or restaurant?

Reducing insurance premiums can be achieved by installing advanced security systems like CCTV and sophisticated alarms. Developing a comprehensive risk management plan and regularly training staff on safety measures can also help lower insurance costs. Adjust your coverage based on changes in your business size or services to avoid being over-insured.

What steps should I take if I need to file an insurance claim for my pub or restaurant?

Immediately contact us and provide all relevant documentation related to the incident. This includes photographs of the damage, any police reports if applicable, and a complete list of damaged or stolen items.

How should I select the appropriate insurance for my pub or restaurant?

Evaluate the most critical areas of your business that need protection. Consider if you require Buildings, Contents, Stock coverage, or a comprehensive policy that includes all. Estimate the value of your assets and potential business risks to secure sufficient coverage.

How do I file a claim with wholesalers insurance?

To file a claim, contact your insurance provider as soon as possible after an incident. Provide all necessary documentation and information related to the loss or damage, follow their guidelines, and cooperate fully to ensure a smooth claim process.

How can I reduce my premiums for wholesalers insurance?

You can reduce your insurance premiums by:

Improving security measures such as installing alarms and surveillance systems.
Implementing risk management practices to minimise losses.
Opting for higher deductibles can lower your premium but increase out-of-pocket costs in a claim.

What is not covered by wholesalers insurance?

Wholesalers insurance does not cover:

Intentional acts

Wear and tear

Nuclear hazard or war

Environmental damage

Employee theft

Data breaches or cyber-attacks

Business interruption due to pandemic

Professional errors

How is the cost of wholesalers insurance determined?

The cost depends on several factors, including:

Type of products handled
Volume of goods
Business size and location
Security measures

Are there optional coverages available in wholesalers insurance?

Yes, businesses can enhance their policies with optional coverages such as:

Goods in transit
Cyber liability
Legal expenses
Employee theft

What does wholesalers insurance typically cover?

Standard coverage usually includes:

Property insurance
Liability insurance
Product liability
Business interruptions

Who needs wholesalers insurance?

Any business that operates within the wholesale industry, dealing with bulk goods that are stored, distributed, or sold to retailers, other wholesalers, or directly to the public, should consider wholesalers insurance. This includes wholesalers of products like clothing, food, flowers, stationery, and more.

What is wholesalers insurance?

Wholesalers insurance is a specialised form of business insurance tailored to meet the specific needs of wholesale businesses. It provides coverage for various risks associated with the operation of wholesale businesses, including property damage, liability issues, business interruption, and more.

Can I insure more than one buy-to-let property?

Yes, you can insure more than one buy-to-let property with our multi-property landlord insurance where you can receive a discounted rate. The cover is comprehensive and you can choose to insure buildings, contents or both.

Why can't I insure my buy-to-let on a standard home insurance policy?

A standard home insurance policy won’t cover you if you rent the property out to tenants. This is because tenants are higher risk. Buy-to-let insurance covers specific events that aren’t covered by home insurance. Having a specialist policy will ensure you are protected to the right level.

Why should I rent to professionals?

Professional tenants usually rent for longer periods of time, which is more cost-effective for landlords. Usually, landlords replace carpets and repaint the walls every time a new tenant moves in, which will no longer be a regular occurrence.

Can I rent my house to a family member on benefits?

You can rent to a family member on housing benefit or universal credit as long as you don't live with them and you have a formal agreement.

Does Universal Credit pay private landlords?

If a tenant is entitled to Universal Credit housing costs, this amount is usually paid directly to the landlord each month. However, some tenants may be able to have the housing costs paid to them instead, if they meet certain criteria.

What happens if the building becomes unoccupied?

You need to advise CIA if the property becomes unoccupied for more than 45 days. We will talk you through your policy terms as each insurer has its own unoccupancy clause.

Can a listed building become delisted?

Yes, a listed building can become delisted although this is rare. There must be strong evidence showing that the building no longer has national importance and a formal review with the heritage authorities is required.

What are a landlord’s responsibilities for a listed building?

A landlord’s responsibilities for a listed building are the same as a modern building. Landlords should ensure that the interior, exterior and surrounding areas of the building are well kept. Because a listed building needs to preserve its original appearance, the landlord should be clear in the tenancy agreement about making changes to the property.

Why is it difficult to find cheap listed buildings insurance?

Since listed buildings are older, there’s more risk of things going wrong and repair costs are higher. This higher risk increases the chances of making a claim, so insurance companies would have to pay out more. Older properties can be complex to fix. Unique features of listed buildings such as sash windows are also costly to repair, due to the rare materials and specialist tradespeople needed.

Will future works on a listed building affect my landlord insurance?

Yes, future works on a listed building can affect your landlord insurance. Inform your insurance provider of planned work before it starts to comply with your policy and remain covered. CIA is an independent broker with a personal approach. You can chat with us on the phone about any planned work - we don’t use chat bots.

Can tenants make changes to a listed building?

Any changes to a listed building must follow strict regulations to make sure the building and its historic features are protected. It is recommended that tenants make no major modifications to the interior or exterior of the building. Any proposed changes must be approved by the landlord, who may need to consult the heritage authorities. Make sure you are clear of these rules in your tenancy agreement.

What parts of a house are listed?

A listing will cover the whole of the building including the interior and exterior unless specific parts have been intentionally excluded.

How do I find out if my building is listed?

You can search your postcode in the National Heritage List for England to see the locations of listed buildings.

Should the freeholder pay the buildings insurance on the block of flats?

Yes, the freeholder of the flat should insure the building however, we recommend that you check the terms with your freeholder.

Can you cover more than one flat under one policy?

Yes, if you rent out more than one flat you can take out a multi-property policy which will give you a discounted rate.

Will my insurance be valid if I let to tenants with pets?

Your insurance policy will be valid if your tenant has a pet but any damage caused by pets is excluded from all policies.

What are a landlord’s responsibilities for flats?

Landlord’s responsibilities for flats are the same as other property types such as homes and bungalows. Briefly, you should:

Keep the property safe from hazards
Safely install and maintain gas and electrics
Provide an Energy Performance Certificate
Protect the tenant’s deposit in a government-approved scheme

What is contents only landlord insurance?

Landlord contents insurance only covers the items on the property that aren’t part of the structure. You will need separate building insurance to cover the structural aspects of the property.

Are washing machines covered?

Yes, all household appliances should be covered by your landlords content insurance. Read your policy carefully to ensure you’re happy with the level of protection.

Is flooring covered under landlord contents insurance?

Flooring and tiling are not covered. You will need landlord buildings insurance for this protection. Carpets are covered under contents.

Will the contents of outbuildings be covered?

No landlord contents insurance only covers the contents of your property. No cover is offered for the landlord’s contents from outbuildings.

Why can't landlords use regular home contents insurance?

Regular home contents insurance won’t cover rental properties. There is a greater risk of damage to the contents of rental properties and this is factored into the policy. As a landlord, you must take out cover aimed at landlords for it to be valid.

What do I do if a tenant damages my contents?

If a tenant damages the contents of your property, you could file a claim against their security deposit. If the cost of the damage is more than the security deposit, you may need to claim on your landlord contents insurance.

What if I have a high-value item?

You may have a high-value item, such as an antique piece of furniture or state-of-the art appliance. You will need to disclose this information when finding contents insurance quotes to ensure coverage can be provided.

How do I work out the value of my contents?

You will need to make a list of all the contents of your rental property and their estimated value. Take the estimated value from receipts or from searching for similar items on the internet. This needs to be correct to ensure your landlord contents insurance quotes are accurate and your coverage is valid.

What is the difference between landlord contents insurance and tenant contents insurance?

Landlord contents insurance only covers the contents of the rental property supplied by the landlord, such as furniture and appliances. Whereas tenant contents insurance covers the contents of the tenant’s belongings like clothing, electronics, and jewellery.

Do I need contents insurance for my tenant's belongings?

Landlord contents insurance doesn’t cover the tenant’s belongings, and it is not the landlord’s responsibility to insure the tenant’s possessions. The tenant will need to take out personal contents insurance if they want to be protected.

Do I need landlord contents insurance for an unfurnished property?

Landlord contents insurance covers more than just the furnishings so it’s worth taking out protection for unfurnished properties. White goods and fixtures such as washing machines, curtains and carpets are covered too.

How is commercial landlord insurance different from domestic landlord insurance?

The cost of landlord insurance premiums can vary between commercial and domestic building policies due to the different building and tenant types involved. The majority of residential properties are constructed from brick whereas commercial buildings use a variety of materials. Each material will pose its own level of risk, which will affect premiums. For example, bricks are hardwearing and cheap to insure. Whereas concrete walls are prone to cracks and timber is a greater fire hazard, and the insurance cost will reflect this. In addition, commercial buildings have more complex heating and electrical systems, which will cost more to repair, pushing premiums up. Various tenant types can be covered with standard landlord insurance including students, DSS tenants and professionals. These tenants will not carry out business from home, and are fairly low risk. In contrast, commercial premises could be the home to hazardous activities and there is a greater risk of damage and accidents. CIA can advise you on the level of cover you need for the type of building and the tenants that will be working from the premises.

Is commercial property insurance required by law?

Commercial property insurance isn’t a legal requirement, although your mortgage provider may require it as a condition of the loan.

What happens if the tenants can no longer work in the building due to damage?

If tenants can no longer work in the building, they can’t be expected to pay their rent. A commercial landlord insurance policy will cover loss of rent so that you aren’t out of pocket providing the damage was caused by an insured peril.

Is commercial landlord insurance tax deductible?

Yes, commercial landlord insurance is tax deductible as it is categorised as an ‘allowable expense’ by HMRC.

Is the landlord or tenant responsible for commercial buildings insurance?

The owner of the commercial property or landlord is responsible for the buildings insurance. Landlords typically pass this cost on to the tenant. It’s a good idea to clarify this in the tenancy agreement before the letting.

How long is a quote valid for?

30 days.

What excess should I expect?

The level of excess will depend on the building being insured and the amount of cover you require. Excess is £250 for most perils.

Can I get a policy that covers my residential and commercial rental properties?

Yes, we can offer this cover providing they are on the same title deeds.

Who is commercial landlord insurance for?

Commercial landlord insurance is for landlords who let out their properties for business use, or have a portfolio of commercial and residential buildings.

What is commercial landlord insurance?

Commercial landlord insurance (also called business landlord insurance) is a specialist cover for landlords who let out their property for business reasons. Commercial properties can include shops, offices and warehouses. You can take out cover to protect the building and contents from perils such as fire, flood and theft.

What are a landlord’s legal responsibilities for a HMO?

If you own a HMO that is let out to five or more people that form two or more families, you must get a HMO licence. Licensing is in place to ensure that private landlords provide accommodation that is properly managed and compliant with health and safety regulations. The main responsibilities of a HMO landlord include gas and electrical safety checks, ensuring that the property isn’t overcrowded, keeping the building in a good state of repair and providing adequate cooking and cleaning facilities.

Can I cover non-HMO properties on the same policy?

Here at CIA, we can offer cover for your portfolio that contacts a mixture of HMO and non-HMO properties.

I let multiple HMO properties, can you cover me?

Yes, CIA can create a tailored quote to cover multiple HMO properties. Give us a call or request a callback to discuss your needs.

What is the difference between a HMO and a bedsit?

A bedsit is a self-contained unit in a building. Whereas a HMO has at least three people living in the property, each from different households. These tenants will share facilities such as the kitchen and bathroom.

Can I cover students and DSS tenants with my HMO policy?

Yes, we offer specialist student landlord insurance and landlord insurance for DSS tenants.

Do you cover properties that have been converted to HMOs?

Here at CIA, we can cover properties that have been converted to HMO.

What is a HMO?

An HMO is a property in which multiple unrelated individuals or households share common facilities and living spaces, such as a shared kitchen, bathroom, or living room. This type of arrangement is common in student housing or properties rented out to professionals.

Do I need buildings insurance if I have landlord insurance?

The good news is many landlord insurance policies combine buildings and contents insurance. Check your current cover, as your building may already be protected. If you let a flat, the buildings insurance is usually arranged by the landlord that owns the freehold of the property.

What types of buildings can you insure?

Great news! You can insure any type of building, including houses, cottages and flats.

Is rising damp covered?

Rising damp is not covered under any insurance policy.

What is a void period?

A void period is when no one is living in the property. What counts as a void period varies depending on the insurance provider, so read your policy documents carefully.

How often should I visit my unoccupied property?

Check the conditions of your insurance policy, as it may require you to regularly visit the vacant property. If you can, visit the property weekly to monitor signs of a break-in and spot any maintenance issues.

Can I insure multiple properties with unoccupied property insurance?

Yes, we offer multiple property landlord insurance and can find specialist cover if you have more than three properties that are unoccupied for long periods of time. Give us a call or request a callback for a tailored quote.

Does standard landlord insurance cover unoccupied properties?

Standard landlord insurance policies will allow you to leave the property unoccupied however, this will be for a limited amount of time - this is usually 30 to 60 days maximum. If the property is going to be vacant for longer than that, you will need specialist unoccupied property cover.

How much does landlord insurance cost per month?

As of 2023, the average cost of landlord insurance per year is £170, which equates to roughly £14 per month. This will depend on various things, however, and you would need to consider aspects such as the year the property was built, the rebuild cost, the size of the property, and where the property is located.

Will I be covered if I let out my home on Airbnb?

CIA are able to cover holiday homes that are let out through Airbnb. Just call our experts on 01788 818670 to get a quotation. If you rent a room or rooms within your own home whilst living there, we are able to offer cover subject to certain conditions. Call us on 01788 818759 for a quote.

How much should I insure my holiday home for?

To get a quote for holiday home buildings insurance, you need to provide the rebuild value. This refers to how much it would cost to rebuild the property if it was destroyed and can be calculated using the BCIS calculator.

Can I get holiday home insurance for properties abroad?

CIA cannot offer holiday home insurance for properties abroad. We cover UK properties only.

Does holiday let insurance cover pet damage?

There is no insurance cover available for pet damage to your Holiday Home, rental property or even your own home.

How to get cheaper holiday home insurance

To get cheaper holiday home insurance, pay annually and attend to repairs straight away. You can also get cheaper cover by comparing policies from different providers.

What types of property are covered?

Any property that meets the definition of a holiday home is covered. Properties that are vacant for more than 30 consecutive days are protected, which is more likely with a holiday home as trips are often seasonal.

How long does my holiday home have to be occupied?

Once a property has been unoccupied for 30 consecutive days it is classed as unoccupied and you will have to adhere to the unoccupancy conditions detailed in your policy to ensure you are covered for the perils stated on your policy. As long as your property is being used as a Holiday Home there is no minimum time this has to be occupied.

Can standard home insurance cover my holiday home?

No, standard home insurance doesn’t cover holiday homes. You need to take out a specialist policy.

How do I renew my policy?

All our buildings insurance renewals are invited by email, letter and followed up with a phone call. so you will always know when your policy is due for renewal.

How do I get a quote for multiple property landlord insurance?

Get a quote by completing our form or request a call back from a member of our team. We also have a handy spreadsheet that you can complete and email back to us with all the relevant details for us to generate a quote. Simply give us a call on 01788 818670 to request this.

How is multiple property landlord insurance the cheapest option?

If you have a property portfolio, a multiple property landlord insurance policy will be cheaper than taking our separate landlord insurance cover for each property. It is the cheapest option because you will receive a discount for insuring more properties.

Can I add other people to the policy?

With CIA you can have joint policy holders on each property, and these don’t have to be the same person for each individual property. The property has to be insured in the name of the person/company that is named on the title deeds and whose legal responsibility it is to insure.

What property types are covered with multi-property insurance?

All property types are included in our multiple property insurance. The definitive list includes houses, flats, cottages and bungalows.

What is multi-property landlord insurance?

Multi-property landlord insurance covers landlords who let out three or more properties. It can provide cover for various risks such as building and contents damage, loss of rent and liability. The more properties you have in your portfolio, the larger discount you will get with multi-property landlord insurance. It is more cost-effective than taking out separate landlord insurance policies for each property and more convenient to manage.

Why do landlords rent to students?

Landlords are realising the potential of the student market more and more. With high-yielding rental properties and a constant flow of tenants, the student market is very attractive. In addition, students typically have loans which help cover their rent. You’ll want to make sure your tenants have reliable guarantors before they sign the AST.

Do I need contents insurance for the student's possessions?

No, it is the student's responsibility to take out insurance for their own belongings. However, you can take out contents insurance for fixtures and fittings in the accommodation such as the sofa, bed, fridge and freezer.

Should a student tenant pay landlord insurance?

No, student tenants shouldn’t pay landlord insurance - it is the landlord's responsibility. Students can choose to take out insurance for their gadgets and other belongings if they wish, but this won’t affect the landlord.

How do I make sure I’m not underinsured?

Make sure you accurately calculate the rebuild cost and the value of the contents in the property. CIA can assist you with this.

Will I be covered if I let out my home on Airbnb?

CIA are able to cover holiday homes that are let out through Airbnb. Just call our experts on 01788 818670 to get a quotation. If you rent a room or rooms within your own home whilst living there, we are able to offer cover subject to certain conditions. Call us on 01788 818 759 for a quote.

How much should I insure my holiday home for?

To get a quote for holiday home buildings insurance, you need to provide the rebuild value. This refers to how much it would cost to rebuild the property if it was destroyed and can be calculated using the BCIS calculator.

Can I get holiday home insurance for properties abroad?

CIA cannot offer holiday home insurance for properties abroad. We cover UK properties only.

Does holiday let insurance cover pet damage?

There is no insurance cover available for pet damage to your Holiday Home, rental property or even your own home.

How to get cheaper holiday home insurance

To get cheaper holiday home insurance, pay annually and attend to repairs straight away. You can also get cheaper cover by comparing policies from different providers.

What types of property are covered?

Any property that meets the definition of a holiday home is covered. Properties that are vacant for more than 30 consecutive days are protected, which is more likely with a holiday home as trips are often seasonal.

How long does my holiday home have to be occupied?

Once a property has been unoccupied for 30 consecutive days it is classed as unoccupied and you will have to adhere to the unoccupancy conditions detailed in your policy to ensure you are covered for the perils stated on your policy. As long as your property is being used as a Holiday Home there is no minimum time this has to be occupied.

Can standard home insurance cover my holiday home?

No, standard home insurance doesn’t cover holiday homes. You need to take out a specialist policy.

Can I cancel my insurance policy?

You may cancel your policy at any point by sending us emailed confirmation, contacting us post, or calling customer support service on 01788 818 600.

What is the difference between landlord building insurance and landlord contents insurance?

Landlord building insurance is there to cover the structure of your property against damage and unforeseen events, such as storms, floods, or fires. Whereas contents insurance covers items that you have bought for tenants in your property to make use of, such as household appliances (like dishwashers, washing machines, fridges, televisions etc), home furniture, curtains, and anything freestanding.

Do I need landlord building insurance if my property is empty?

You never know when you might unexpectedly be left without tenants for a period of time, so it’s good practice to take out a landlord building insurance policy that will cover your property when it is unoccupied. Unoccupied properties can be more vulnerable to damage, vandalism, theft, and break-ins. Make sure you pay attention and read the details of your building insurance policy or speak to our helpful team as some insurers will only provide building insurance coverage for unoccupied properties for a limited amount of time, and you don’t want to be caught short.

How do I go about making a claim on my landlord building insurance?

Speak with our friendly expert team of advisors and follow their instructions in order to make a claim on your landlord building insurance so all your costs get covered.

How much does landlord building insurance cost?

Overall, the average cost of landlord insurance in 2018 was £217 per year, and landlord building insurance is a part of that cost. However, the amount you pay for landlord building insurance coverage will vary depending on the location of the property, the total value of the building, how old the building is, its state of repair, and the insurance provider you choose to go with. Here at CIA Insurance, we offer cheap comprehensive landlord insurance.

Is landlord building insurance a legal requirement?

No, landlord building insurance is not a compulsory legal requirement for landlords, but it is advisable to take it out. Just consider how much it could cost you to rebuild your house if it were damaged or destroyed without you having buildings insurance.

Does landlord insurance include building insurance?

Yes, good news landlord insurance can include building insurance since building insurance is a type of landlord insurance. However, it's best to check with your provider and make it clear that you want to add building insurance to your landlord insurance policy, it's best not to assume it will be included in your landlord insurance deal. Fortunately, CIA works with insurers that cover all bases and offer comprehensive packages covering various types of landlord insurance, including cheap landlord building insurance, contents insurance, specialist flat cover, buy-to-let insurance, and rental property insurance.

How much does landlord contents insurance typically cost?

The price of landlord contents insurance will change based on the total value of the contents being insured, the location of the property, and so on. It is best practice for you to compare different prices and coverage options for landlord contents insurance from several insurers to help you make an informed choice.

Does landlord contents insurance cover tenants’ personal belongings?

No, landlord contents insurance does not cover your tenants’ personal belongings, but it does cover you for any fridges, beds, sofas and so on that you may have provided for tenants.

Are asylum seekers allowed to rent a house?

Your local community support scheme will be overseeing the rehousing of any asylum seekers. This is in order to protect their safety, habilitation and the protection of your property as well.

What are the new rules for asylum seekers in the UK?

The Nationality and Borders Act 2022 changed family reunion rights available to some refugees who apply for asylum on or after 28 June 2022. The new rules state: Adults granted refugee status would only be automatically entitled to sponsor someone if they were granted “refugee permission to stay” as a group 1 refugee. Find out more here.

Do asylum seekers have to pay council tax?

No, asylum seekers do not have to pay council tax. Your local council will offer advice and support on how this is covered.

Do asylum seekers get free housing?

Asylum seekers’ rent is covered by benefits or universal credit. This will be organised by your local community support scheme. Once a person’s status changes from asylum seeker to refugee, they are no longer eligible for asylum seeker housing.

Can a landlord refuse a guarantor?

Landlords can run a credit check on guarantors. This would be at their own cost. Based on this information you may wish to reconsider the guarantor.

Can landlords reject students?

Landlords must understand the equality and fairness standards set out by Gov UK. Landlords do not have the right to reject tenants on grounds of their sexuality, culture, race, sex, gender, nationality or orientation. Legitimate reasons to reject a student would be if they failed a credit check or Right to Rent check.

Can students rent without a guarantor?

It is your responsibility to make sure every tenant has a guarantor before they sign the Assured Shorthold Tenancy agreement. There is a higher risk of financial arrears without a guarantor.

Are students reliable tenants?

Despite students having a reputation for causing damage and noise issues in properties, the student market offers a high-yielding rental amount as well as a regular flow of available tenants. In addition, students usually have the backing of accommodation loans to help support their rental fees.

What bills do you have to pay when renting to a student?

The tenant is responsible for paying all utilities unless you have an ‘all bills included’ arrangement which was advertised at the point of starting the tenancy.

How much should uni students spend on rent?

The amount paid in rent depends on the area where it is located. A two bed property in London averages around £2500 whereas in Manchester the average is around £1500.

How much do student landlords make?

Reported in January 2022, landlords on average stand to make a yield on student rental property between 13%-17%.

How long are student tenancies?

Student tenancies or Assured Shorthold Tenancy agreements are typically 12 months or one year.

Why do some places not rent to students?

7 out of 10 UK landlords would not let their property to a student according to a survey conducted by SPCE. This is mainly due to the fear of damage. However, with a clear Assured Shorthold Tenancy agreement and the Government Deposit Scheme in place, landlords can protect themselves against wear and tear and malicious mange.

Do students need to prove Right to Rent?

Yes, students need to prove their right to rent. They need to provide their date of birth and details of one of the following: Your biometric residence permit. Your biometric residence card. Your passport or national identity card. Visit .gov to update your biometric information.

Why do landlords not like students?

Students can pose problems with parties and noise complaints. Having newly been away from home, they may be finding their feet in the domestic setting as well as financial independence. Having said that, the student market is very strong for landlords.

Is it worth renting to students?

The student rental market is a predictable one. With a constant stream of prospective tenants and usually with student accommodation and maintenance loans, landlords favour the student property market. There are risks associated with students. You should always have a signed AST before the tenant begins as well as a deposit from your tenants which is held in a Government Deposit Scheme.

Can I rent a property to a student?

Yes, you can rent a property to a student. You’ll need to be able to prove their Right to Rent and make sure they understand the Assured Shorthold Tenancy agreement. Make sure the student provides a reliable guarantor to protect your rental income. You may classify as an HMO (home of multiple occupancies) when you have two or more people living there who are not related.

Can I refuse to rent to DSS tenants?

No, you cannot refuse to rent to DSS tenants as that is classed as unlawful discrimination. You are, however, still within your rights to refuse a tenant because of other factors, such as failing an affordability check.

Is DSS tenants insurance more expensive than other types of cover?

DSS tenants insurance can be more expensive than other types of cover but the premiums you are offered will depend on a wide range of factors - not just the type of tenant that you are renting to. These can include factors such as your property location, property age, type of property, whether or not you have made any claims on an existing landlord policy in the past five years and any optional extras you wish to add to your policy.

Do I have to pay council tax for an unoccupied property?

You have to pay Council Tax on a property you own that’s unoccupied, but your local council may decide to give you a discount. However, you will have to pay 200% council tax if your property has been unoccupied for 2 years or more.

How do I prepare if I know my tenant will be leaving to travel or live overseas mid-tenancy?

Specialist unoccupied property insurance will provide you with cover when you’re tenant is travelling/going to living abroad mid-tenancy. However, make sure to provide the insurer you’re using with lots of information, including the tenant’s return date. If you are able to, you should try gathering the address of where your tenant will be living abroad, alongside any additional contact details should an emergency arise while they’re away.

I’ve inherited a UK holiday home without insurance, what should I do?

If you’ve just inherited a holiday home from somebody close to you passing away or handing it over to you for any reason, then you should try getting holiday home insurance cover asap. CIA should definitely be your top pick when it comes to choosing a company to put you in contact with the UK’s most prominent landlord insurance providers . Our team use their professional expertise to make a real effort to give our customers excellent levels of service.

Is holiday home insurance more expensive?

Holiday home insurance tends to cost a bit more than regular main home insurance. This is mainly connected to the holiday homes often being used in a fundamentally different way. Your holiday home may remain empty and unoccupied for large swathes of the year, and you may rent it out to paying guests. With this in mind, holiday homes are generally considered at higher risk, and this can raise insurance premiums. For example, who will report a gas leak that needs fixing when there’s nobody at the property for long periods of time? However, at CIA Landlords, we are confident of our ability to get affordable holiday home insurance packages for our customers.

What will affect the cost of my holiday home insurance?

The main factors contributing to the cost of standard home insurance also affect the price of holiday home insurance. This includes location, your credit score, the property’s age and state of repair, how much it would cost to rebuild it, safety features, and the extent of coverage you go for. A key factor affecting how much you end up paying for holiday home insurance will be the provider you choose. At CIA Landlords, we offer customers fair and affordable rates for holiday home insurance coverage.

Can I get contents insurance for my UK holiday home?

Many people enjoy kitting out their holiday homes with plush furniture, fittings, and cosy decorations. But it is possible to get contents insurance for my UK holiday home? The answer is yes, and here at CIA, our generous extensive coverage provides buildings and contents insurance for your holiday home.

Will I be covered for loss of rent?

If your holiday home becomes uninhabitable due to an insured peril and you have a paying guest staying in the property, our holiday home buildings policy would cover your loss of rent.

What is multi-property landlord insurance?

Multi-property landlord insurance covers landlords who let out three or more properties. It can provide cover for various risks such as building and contents damage, loss of rent and liability. The more properties you have in your portfolio, the larger discount you will get with multi-property landlord insurance. It is more cost-effective than taking out separate landlord insurance policies for each property and more convenient to manage.

Is listed building insurance expensive?

Listed buildings often have features that make them suffer damage more easily, such as thatched roofs or inadequate drainage systems. As a result, listed buildings tend to need repairs more frequently. Owners of listed buildings are legally obliged to restore and repair them when they get damaged, and they usually have to do so by sourcing traditional materials and hiring specialist tradespeople. For these reasons, insuring a listed building can sometimes cost a bit more than insuring a standard modern home. However, we know what we’re doing and we offer customers fantastic affordable listed building insurance rates at CIA Landlord Insurance.

Do I need listed building insurance?

Yes, you should have an insurance policy that is tailored to your home, and that’s why you need listed building insurance if you own a property in a listed building.

What makes the best landlord insurance?

The best landlord insurance should include the option of buildings only, buildings and contents, fixtures and fittings with or without contents or contents only insurance. This will include loss or rent cover and property owners liability, together with cover for all standard perils. You should also be able to add legal costs to the policy for an extra premium. Some landlord policies will only offer very basic cover and will charge more for loss of rent cover, property owners liability and some standard perils. Here at CIA, all our policies offer the higher levels cover available with no additional charges.

Can I add properties on mid-term?

We do offer insurance policies which allow you to add properties midterm on a pro-rata basis, as long as you let us know you will require this service when purchasing your 1st policy.

Do you offer a multi property discount?

If you already have landlord insurance with us, then we will give you a multi-property discount. To take advantage of the discount, we will need to complete the quote over the phone with you, so, call us on 01788 818 670.

Can I insure my property even though it is vacant?

Yes, we offer a variety of policies for vacant properties, whether you need 12 months of unoccupied property cover, or a more flexible policy which can be adjusted when tenants move in.

What if my tenant works but also receives benefits?

We will just need to ask you a couple more questions in order for us to know how to class your tenant. Our insurers each have their own guidelines so this landlord insurance quote would be completed on the phone. To discuss the details, call us on 01788 818 670.

Does the type of tenant I have in my property affect my policy?

Yes, all policies and landlord insurance quotes are based on a variety of different factors, one of those being the tenant type. If the current tenant’s situation changes and they become a different tenant type, you will need to make us aware.

What does the term 'tenant type' mean?

Tenant type refers to the tenant's current situation. For example, if they are in full-time work they would be classed as professionals. If they pay the majority of the rent with benefits they would be classed as DSS tenants. Other tenant types include students, asylum seekers, housing association tenants and retired tenants.

What does the legal policy cover?

Landlord's legal protection is an insurance policy to protect you as the landlord of your property, in case your tenants are in breach of their contract and you need to take them to court. The insurance policy will cover the legal costs incurred.

Can cover be increased after the unoccupancy clause?

No, unfortunately we are unable to increase cover at the end of an unoccupancy clause. If the property remains vacant, cover is reduced and then increased when the property is re-tenanted.

What are the different categories of listed buildings?

The classification system puts listed buildings into 3 different ‘grades’, Grade I, Grade II*, and Grade III.

Grade I buildings are of exceptional interest. Only 2.5% of listed buildings in England are Grade I
Grade II* buildings are particularly significant buildings above special interest. Grade II* buildings account for 5.8% of listed buildings in England
Grade II buildings are of special interest and worthy of preservation. More than 90% of all listed buildings in England are Grade II

Does the policy cover me if my tenants are injured due to the property?

Our landlord insurance policies, where buildings are insured, include Property Owners Liability and where contents are insured include Contents Liability, so if the tenant is injured or contracts a disease due to the insured property and/or contents you would be covered. Employers Liability covers you for any damage caused to the property or to an individual by someone who is employed by you to work at the rental property under a PAYE agreement. The type of employee may be a cleaner or a gardener etc.

What does liability insurance mean?

The liability cover on your policy will insure you for any amounts you become legally liable to pay as damages and claimants costs for bodily injury, including death and disease and damage to property caused by an accident at the premises.

What insurance would I need if I am a leaseholder?

Your lease agreement might dictate that you are responsible for insuring the buildings, in which case we can provide you with a landlord insurance quote. Alternatively, you will at least want to insure your landlord contents, fixtures and fittings. Although we can't currently quote online for this we have a number of insurers that offer policies to meet your needs so click "get a call back" or call us on 01788 818670 for a quote.

Can I buy landlord building insurance if I live in the property myself?

Some insurers will allow you to have a landlord’s building insurance policy if you’re initially living there, on the basis that you will move out and your tenant will move in within 8 weeks. If you intend on staying in the property with tenants there too, you will need a household building insurance policy rather than a landlord building insurance policy.

When will I get my landlord home insurance documents?

Documentation is usually emailed to you within 48 hours but we are happy to post out hard copies upon request. All of our policy booklets are available online and a link will be provided in your welcome pack.

Are my personal belongings covered under buy-to-let insurance?

Unfortunately, your own personal belongings won't be covered on this policy and you will need to take out a household policy to cover your contents.

Do you offer contents only policies?

We do offer landlords contents only policies over the telephone. Just click "Get A Callback" above or call us on 01788 818 670.

What is free white goods cover?

If your policy includes free white goods cover then any freestanding washing machines, fridge-freezers, cookers, tumble dryers & dishwashers that you have left for your tenant to use, will be insured for all the standard perils that are listed under the buildings section of your policy.

Is it my responsibility to insure the contents?

Tenants should have their own contents insurance for items they keep in the property. However, if your property is furnished, it's your responsibility to have landlord contents insurance for the items you own, as well as any fixtures and fittings.

How do I make a Claim?

If you need to make a claim you will need to contact your insurer's claims team, which are detailed below. Geo Underwriting claims - 01708 777 710 Pen Underwriting - 01403 321 394 Keystone - 0344 856 2364 Modus - 0344 856 3815 Axa Let - 0330 024 8087 Abacus amtrust - 0115 934 9818 Abacus Novea - 0144 322 9513 Abacus Covea - 0330 024 2255 Optima - 01159 349818 Arkel - 0207 138 8497Read more

What type of landlord insurance do I need?

There are a few different landlord insurance options. Which one you choose will depend on the specific risks you feel that it’s most important to cover against. The most common product and the one that we sell here at CIA Insurance is buildings and/or contents insurance. It’s also the most complex and extensive.

What is covered by my landlord insurance?

Your landlord policy can be as basic or as extensive as you need it to be. Our landlord insurance can include buildings only, contents only or a combined policy if required. Buildings insurance covers the cost of repairing or rebuilding your property if it becomes damaged by fire, flooding or vandalism, and contents insurance covers household items left for the tenants use such as furniture and appliances in situations such as theft, fire and flood. This cover does not protect your tenant’s belongings or items you may have left in storage at the property that is not for the tenants use.

What if I want to rent out more than one property?

If you have an existing landlord insurance policy, you will be able to take out multiple-property landlord insurance with us. Please note that in these instances, the policy commencement dates will differ between properties. This won’t affect your multi-property discount. We are able to cover all types of properties, including blocks of flats let out on either a residential or commercial basis. However please note that residential properties and commercial properties will be on separate policies. Multi-property landlord insurance is designed to save landlords time and money. Having one policy that covers all properties means there’s that only one payment and one renewal a year for you to think about, and the multi-property discount means that sometimes it can be cheaper than taking out individual insurance policies for each property. This applies if you take your policies out together or if you advise us at the start of the policy that you will be adding properties mid-term.

Is a landlord insurance legally required?

There is no legal obligation for a landlord to take out landlord insurance, however, you might not get very far without it. You’ll usually need written permission from your lender before you take on tenants (unless you have a buy-to-let mortgage), and your lender is likely to require that you have landlord insurance before you do so. Even though you’ve probably got a conventional home insurance policy, this won’t be enough to cover you if your property becomes a rental. In fact, a lot of home insurance policies will become void if the property is being used as a rental, meaning that you won’t be able to make a claim.

How to get cheaper landlord insurance

When you’re looking for your perfect landlord insurance, you’re going to want to get the best price. No landlord wants to be paying over the odds for their insurance – especially when you hope you’ll never have to actually claim on it. If you have multiple properties, then make sure you insure them all with one provider. You’ll probably be eligible for a discount. Plus, it makes everything much more streamlined and simple with a lot less paperwork.

Do I have to have landlord insurance?

No, you don’t need to take out landlord insurance, however, a lot of mortgage lenders may insist you have it before you begin renting to tenants. Just because it’s not mandatory, it doesn’t mean that you shouldn’t take it out. Landlord insurance is really important for any landlord. It will help to safeguard your financial future and protect your investment from damage, problematic tenants and other unexpected costs. It gives you the peace of mind that situations out of your control will be covered under your policy.

What happens if my property becomes vacant mid-term?

If your property becomes vacant mid-term, whether your landlord insurance policy is affected or not will depend on a number of different factors. Contact our customer service department when you know your tenants are moving out and let us know what your intentions are for the property, we will then advise you on how this affects your insurance.

How do I find out if my property is listed?

To find out if your property is listed, you can try contacting your local planning authority or visit https://www.britishlistedbuildings.co.uk.

Do I need a tenancy agreement?

Most of our insurers ask for a direct tenancy agreement to be in place for a minimum of 6 months. As a general rule, you can expect to need to have a tenancy agreement in place before being permitted to take out any kind of landlord insurance. Nonetheless, it is advisable to consult the small print of your contract and ask questions of the insurer before purchasing.

Do I insure my property from exchange or completion?

Insurance is usually offered from exchange, but you should be guided by your solicitor on the exact date to start your policy. When you are purchasing a house – whether to live in yourself or as a buy-to-let investment – there is a potential grey area between the exchange of contracts and the completion of the sale. It is during this period that you will have signed a contract committing you to purchase the property, but the house will not technically be yours yet as you wait for other aspects of the sale process to be undertaken, such as the conveyancing.

What is Landlord Insurance?

Landlord insurance is a specialist product that covers landlords from damage costs and various different financial losses that come with the territory of being a landlord. Amongst all the positives, unfortunately, there’s a lot that can go wrong when you’re a landlord that can in turn, cost you a lot of money. With that in mind, your landlord insurance policy is really important for any landlord. Buildings insurance and contents insurance are usually the main types of cover that a landlord will need, however a lot of other landlord-specific covers can be added onto a policy, such as legal expenses insurance and alternative accommodation expenses.

What is an interested party?

An interested party is any other person or organisation with a financial interest in the property, such as a mortgage provider. An interested party – also known as an ‘additional interest’ – is a person or company other than the named insured on an insurance policy, which has an insurable interest in the person or property that the policy covers.

What does landlord insurance cover me for?

The standard perils landlord insurance covers you for are the same as standard home insurance. This includes things like fire, storm or floods, escape of water, subsidence etc. The difference is the policy will also include things like, loss of rent in the event that the property becomes uninhabitable due to an insured peril and liability cover in case of the tenants having an accident.

What is Buildings Insurance?

Buildings insurance is protection for the structure of your property, including fixtures and fittings, against unexpected and unavoidable events that may cause damage.

Can I cancel my policy?

You may cancel your policy at any point by sending us either emailed confirmation, confirmation by post or calling customer support on 01788 818 600.

Will my policy automatically renew?

None of our policies are automatically renewed, we will contact you 25 days prior to the renewal date with our renewal quotation with follow up notifications and ask you to contact us if your wish to proceed.

What is White Goods cover?

If your policy includes free white goods cover then any freestanding washing machines, fridge-freezers, cookers, tumble dryers & dishwashers that you have left for your tenant to use, will also be insured for all the perils that are listed under the buildings section of your policy.

What is Property owners Liability?

Property Owner Liability is standard on all of our policies, this will cover the Landlord as the legal owner of the property for any damages, claimant costs and expenses in the event of accidental death, bodily injury, illness, disease or accidental loss or damage to property.

Do you cover unoccupied properties?

Yes, we provide cover for unoccupied properties from inception and offer all different types of cover.

Do you give Multi-property discounts?

We do have some Insurers that will provide Multi-Property Discounts and Portfolio Policies.

What tenant types do you cover?

Our panel of Insurers will cover all tenants types upon request. Please ensure that your policy shows the correct tenant type as this invalid your policy.

What is Loss of Rent Cover?

This will cover you in the event of Loss of Rent and/or alternative accommodation should your property become uninhabitable due to an insured peril covered by the policy, eg Fire, Flood.

Do my documents show the amount I have actually paid for the policy?

When documentation is issued at inception and renewal we will provide a Statement of Price this will show the amount paid and a full breakdown of any other landlord insurance fees charged.

How do I calculate my rebuild cost?

Your rebuild cost, sometimes referred to as building sum insured or reinstatement value, can be most accurately found on a mortgage valuation. If you do not have one to refer to then you can try the Building Cost Information Service (BCIS) commissioned by the association of British Insurers. This free service can be found on https://calculator.bcis.co.uk/.

FAQ

Categories

When will I get my landlord’s rental insurance documents?

How long is a buy-to-let insurance quote valid for?

How can I reduce my landlord’s building insurance cost?

What does landlord contents insurance cover in a flat?

Do I need landlord contents insurance for flats?

What are hairdressers / beauty salons' legal responsibilities?

Can I cover non-hairdressers / Beauty Salon properties on the same policy?

I own multiple beauty salons, can you cover me?

How often should I review my salon insurance policy?

Should I choose a high or low deductible?

What's the role of CIA in Hairdressers / Beauty Salon Insurance?

What are the most common risks covered by salon insurance?

Can I transfer my motorcycle insurance to another bike?

How is the cost of motorcycle insurance determined?

What is the difference between comprehensive and third-party liability coverage for motorcycles?

How can I choose the right motorcycle insurance policy?

What does motorcycle insurance typically cover?

What should I do in the event of an accident involving my business vehicle?

How can I reduce the cost of my commercial vehicle insurance?

What factors affect the cost of commercial vehicle insurance?

Can I customise my commercial vehicle insurance?

How is commercial vehicle insurance different from personal auto insurance?

What does commercial vehicle insurance cover?

Who needs commercial vehicle insurance?

What is commercial vehicle insurance?

What is accidental damage cover in household insurance?

How can I reduce my household insurance premiums?

What should I do if I need to make a claim?

Can I get coverage for items outside my home?

How do I choose the right type of household insurance?

What does accidental damage cover include in pub and restaurant insurance?

What strategies can help reduce insurance costs for my pub or restaurant?

What steps should I take if I need to file an insurance claim for my pub or restaurant?

How should I select the appropriate insurance for my pub or restaurant?

How do I file a claim with wholesalers insurance?

How can I reduce my premiums for wholesalers insurance?

What is not covered by wholesalers insurance?

How is the cost of wholesalers insurance determined?

Are there optional coverages available in wholesalers insurance?

What does wholesalers insurance typically cover?

Who needs wholesalers insurance?

What is wholesalers insurance?

Can I insure more than one buy-to-let property?

Why can't I insure my buy-to-let on a standard home insurance policy?

Why should I rent to professionals?

Can I rent my house to a family member on benefits?

Does Universal Credit pay private landlords?

What happens if the building becomes unoccupied?

Can a listed building become delisted?

What are a landlord’s responsibilities for a listed building?

Why is it difficult to find cheap listed buildings insurance?

Will future works on a listed building affect my landlord insurance?

Can tenants make changes to a listed building?

What parts of a house are listed?

How do I find out if my building is listed?

Should the freeholder pay the buildings insurance on the block of flats?

Can you cover more than one flat under one policy?

Will my insurance be valid if I let to tenants with pets?

What are a landlord’s responsibilities for flats?

What is contents only landlord insurance?

Are washing machines covered?

Is flooring covered under landlord contents insurance?

Will the contents of outbuildings be covered?

Why can't landlords use regular home contents insurance?

What do I do if a tenant damages my contents?

What if I have a high-value item?

How do I work out the value of my contents?

What is the difference between landlord contents insurance and tenant contents insurance?

Do I need contents insurance for my tenant's belongings?

Do I need landlord contents insurance for an unfurnished property?

How is commercial landlord insurance different from domestic landlord insurance?

Is commercial property insurance required by law?

What happens if the tenants can no longer work in the building due to damage?

Is commercial landlord insurance tax deductible?

Is the landlord or tenant responsible for commercial buildings insurance?

How long is a quote valid for?

What excess should I expect?

Can I get a policy that covers my residential and commercial rental properties?