Insurance Types

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.

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.

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.

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

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

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.

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