Policy Cover
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.
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.
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 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.
Are my personal belongings covered?
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.
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.
Can cover be increased after the un-occupancy clause?
Unfortunately we are unable to increase cover if at the end of an un-occupancy clause if the property remains vacant, cover is reduced and then increased when the property is again re tenanted. However we do offer policies that will extend cover if the property remains unoccupied as a new policy.
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 un-occupied properties?
We can provide cover for unoccupied properties from inception with different ranges of cover available.
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.
When will I get my 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.
Can I buy Landlord Insurance if I live in the property myself?
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.
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.
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.