Why CIA Landlord Insurance?
What is landlord insurance?
Landlord insurance is a policy that financially protects landlords from risks associated with renting out a property. Also known as buy to let insurance, it usually covers for physical damage to the property and protects against liability claims from tenants or other third parties.
There are various optional extras for landlord insurance policies, such as loss of rent cover, malicious damage and property owners' liability. An insurance broker like CIA can help you decide what level of cover you need.
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.
What does landlord insurance cover?
You can tailor your landlord insurance policy depending on what you'd like to be covered for. The more cover you include, the higher your policy premiums will likely be. The different levels of cover you can choose from include:
- Buildings only
- Buildings & contents
- Contents only (not including your tenant's belongings)
- Fixtures and fittings
- Full accidental damage
- Loss of rent
- Alternative accommodation
- Property owner's liability
- Unoccupied property cover
- Legal protection
- Malicious damage caused by tenants up to a maximum of £5,000
- Theft by tenants up to a maximum of £5,000
- Malicious Damage & Theft By Tenants
- Trace & Access Cover (most policies)
- Landlord Legal Expenses
- Legal Expenses & Rent Guarantee
Do I need landlord insurance?
While it's not legally required to have landlord insurance, many mortgage lenders may require it as a condition of the loan. A conventional home insurance policy does not offer the appropriate cover for a buy-to-let property. Whether you decide to rent out the property short or long-term, landlord insurance is strongly recommended to protect your investment.
Ensure you have the appropriate landlord insurance before your tenants move in for peace of mind that your financial future is secure.
Our expert says...
"Being sufficiently covered with landlord insurance doesn't need to be expensive and without it, landlords are putting themselves at risk of financial loss and legal issues. We can advise you on getting the best policy for your property and help you find cheap landlord insurance."
How to get cheaper landlord insurance
Getting cheaper landlord insurance doesn't mean you have to compromise on the protection you need. There are numerous ways to reduce your premium.
Advice Centre for Landlords
Insurance is one of the many things to consider when you're a landlord. Our experts share their tips on being a successful landlord, covering topics such as finance, legal issues and damaged property.
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