What type of landlord insurance do I need?

There are a few different insurance options for landlords. 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.

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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.

More information on tenancy agreements

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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.

More information on exchange or completion insurance

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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.

More information on landlord insurance

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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.

More information on interested parties

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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 8497

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Home selling secrets

Amina was very helpful in sorting out my landlord’s insurance and spotted an error in my cover which helped reduce my premium.

First time landlords

We are first time landlords and you gave good advice and the process was easy and good value.

A pleasure to deal with

A pleasure to deal with, the lady on the phone was a credit to her company.