Read our most frequently asked questions listed below. To narrow down your search try selecting a specific category or if you cannot find the answer you are looking for please do not hesitate to contact us.
Your lease agreement might dictate that you are responsible for insuring the buildings, in which case we can provide your with a landlord building 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. More information on insurance options for a leaseholder
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. More information on live in landlord insurance
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. More information on content insurance responsibilities
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.
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.
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.
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.
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. More information on what landlord insurance covers
Amina was very helpful in sorting out my landlord’s insurance and spotted an error in my cover which helped reduce my premium.
We are first time landlords and you gave good advice and the process was easy and good value.
A pleasure to deal with, the lady on the phone was a credit to her company.