Landlord Buildings Insurance

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.

You never know when you might unexpectedly be left without tenants for a period of time, so it’s good practice to take out a landlord building insurance policy that will cover your property when it is unoccupied.

Unoccupied properties can be more vulnerable to damage, vandalism, theft, and break-ins.
Make sure you pay attention and read the details of your building insurance policy or speak to our helpful team as some insurers will only provide building insurance coverage for unoccupied properties for a limited amount of time, and you don’t want to be caught short.

Yes, good news landlord insurance can include building insurance since building insurance is a type of landlord insurance. However, it’s best to check with your provider and make it clear that you want to add building insurance to your landlord insurance policy, it’s best not to assume it will be included in your landlord insurance deal. Fortunately, CIA works with insurers that cover all bases and offer comprehensive packages covering various types of landlord insurance, including building insurance, contents insurance, specialist flat cover, buy-to-let insurance, and rental property insurance.

Speak with our friendly expert team of advisors and follow their instructions in order to make a claim on your landlord building insurance so all your costs get covered.

Your rebuild cost, sometimes referred to as building sum insured or reinstatement value, can be most accurately found on a mortgage valuation. If you do not have one to refer to then you can try the Building Cost Information Service (BCIS) commissioned by the association of British Insurers. This free service can be found on https://calculator.bcis.co.uk/.

Rising damp is not covered under any insurance policy.

Great news! You can insure any type of building, including houses, cottages and flats.

The good news is many landlord insurance policies combine buildings and contents insurance. Check your current cover, as your building may already be protected. If you let a flat, the buildings insurance is usually arranged by the landlord that owns the freehold of the property.

All our buildings insurance renewals are invited by email, letter and followed up with a phone call. so you will always know when your policy is due for renewal.