What does the legal policy cover?

Landlords 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.

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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.

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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.

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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.

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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.

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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 quote would be completed on the phone. To discuss the details call us on 01788818670.

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

All policies are quoted and proposed on a variety of different factors, one of those being the tenant type. If the current tenants situation changes and they become a different tenant type you will need to make us aware.

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What does the term "tenant type" mean?

Tenant type refers to the tenants 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. Other tenant types include Students, Asylum Seekers, Housing Association and Retired.

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What happens if my property becomes vacant mid-term?

Whether your insurance policy is affected or not depends on a number of 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 how this affects your insurance.

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Do you offer a multi property discount?

If you already have insurance with us 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 you call us on 01788 818 670.

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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.