Landlord Insurance

When documentation is issued at inception and renewal we will provide a Statement of Price this will show the amount paid and a full breakdown of any other landlord insurance fees charged.

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.

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.

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.

No, unfortunately we are unable to increase cover at the end of an unoccupancy clause. If the property remains vacant, cover is reduced and then increased when the property is re-tenanted.

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.

Yes, all policies and landlord insurance quotes are based on a variety of different factors, one of those being the tenant type. If the current tenant’s situation changes and they become a different tenant type, you will need to make us aware.

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 landlord insurance quote would be completed on the phone. To discuss the details, call us on 01788 818 670.

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.