Landlord Buildings Insurance

Damaged property can be a common issue for landlords. Covering rebuilding costs can be expensive and will impact rental income. Prevent large bills from hitting your pocket with cheap landlord buildings insurance.
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Getting the right level of cover will give you peace of mind that your property is protected. It doesn't have to cost the earth either.

CIA is an independent broker that compares the whole market for an accurate quote. The big names such as MoneySuperMarket and Comparethemarket only compare quotes from a select few insurers whereas we compare 9 leading insurers.

Chat with our experts to receive a tailored quote that meets your needs - there's no need to worry about being over or under-insured.

Providing tenants with a property to live in is a big responsibility. To enjoy the peace of mind that your rental property is protected, choose CIA Landlords for a great deal for the cover you need.

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What is landlord buildings insurance?

Landlord building insurance covers the costs of repairing and rebuilding your property if it should get damaged as a result of any insured peril such as a fire, storm, or flood. Typically, this includes cover for the roof, floors and walls, as well as any permanent fixtures, such as kitchen cabinets and bathroom suites.

Building insurance won't just cover the structure of the property and any damaged interior fittings. Sometimes landlord building insurance also covers outside structures connected to your property. For example, if you have a burst pipe or an issue with your garage, your landlord building insurance policy may cover the cost of the damage this causes.

What does buildings insurance cover?

Aside from damage due to fires, storms, floods, and any other standard perils to your buildings from the elements, your policy may also cover the costs for

  • Full accidental damage
  • Loss of rent (in the event of an insured peril)
  • Alternative accommodation (in the event of an insured peril)
  • Property owner's liability
  • White goods
Optional Extras
  • Malicious Damage & Theft By Tenants
  • Trace & Access Cover (most policies)
  • Landlord Legal Protection

Our expert says...

Richard Wayman - Finance General Manager

What isn't covered?

You will need to take out a separate contents insurance policy to protect belongings inside the property such as freestanding items, furnishings, and furniture that you provide for tenants.

Alternatively, you can take out comprehensive landlord insurance that covers both buildings and contents.

How much does landlord buildings insurance cost?

Various factors can affect the cost of your landlord buildings insurance premium.

  • Property location - Higher crime rates in the area will push up your premium.
  • The size and age of the property - The cost of potential repairs and the likelihood of needing repairs will vary.
  • The type of tenancy agreement
  • Landlord's claims history - Insurance will be higher if you have made a previous claim.
  • Payment plan - Landlord buildings insurance is cheaper if you pay for it annually rather than monthly.

Frequently Asked Questions

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