Landlord Flat Insurance

Landlord’s responsibilities for flats are the same as other property types such as homes and bungalows. Briefly, you should:

• Keep the property safe from hazards
• Safely install and maintain gas and electrics
• Provide an Energy Performance Certificate
• Protect the tenant’s deposit in a government-approved scheme

Your insurance policy will be valid if your tenant has a pet but any damage caused by pets is excluded from all policies.

Yes, if you rent out more than one flat you can take out a multi-property policy which will give you a discounted rate.

Yes, the freeholder of the flat should insure the building however, we recommend that you check the terms with your freeholder.

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.

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 fees charged.

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.

If your property becomes vacant mid-term, whether your insurance policy is affected or not will depend on a number of different factors. Contact our customer service department when you know your tenants are moving out and let us know what your intentions are for the property, we will then advise you on how this affects your insurance.

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.