Landlord rental insurance
In a perfect world, your property would require very little maintenance or attention. For the most part, this tends to be the case, although things can sometimes go wrong. So, it’s always good to protect your property against standard perils with specially designed landlord insurance for a rental property.
What is rented property insurance?
Put simply, it is essentially home insurance but for rented properties. It is designed to cover the property whilst your tenant is the resident and can be combined with other insurance policies to protect property owners and landlords
There are also additional policies available to you as a CIA customer:
- Legal Helpline – Our legal helpline is open 24 hours a day, 365 days a year. We’d be happy to offer legal advice regarding any legal issue over the telephone.
- Legal Protection – If your tenants refuse to leave your property after the eviction date stated on the notice, you can cover up to £50,000 of the legal costs to evict your tenants through the court.
Why do I need landlord insurance for my rental property?
Even if you have upstanding tenants and your property is well-maintained, you may encounter unexpected situations that make things tricky. A standard home insurance policy won’t cover unforeseen circumstances in your rented property. That’s why it’s always imperative to take out landlord insurance for rental properties.
While landlord insurance for a rental property is not a legal obligation, mortgage lenders will insist you have a specialist landlord insurance policy before your tenants move in.
What does landlord rental insurance cover?
Typically, a specialist policy will cover the following:
Alternative accommodation costs
Loss of rent
Why choose CIA's rented property insurance?
Who said you need to take out a fortune to find rental property insurance? Thanks to our extensive experience specialising in niche areas of the landlord insurance market, we can help you find the cheapest rental property insurance. That way, your pockets shouldn’t feel a pinch.
Once you’ve taken out your policy, your documents and policy booklet will be emailed over to you within 48 hours. If you’re struggling to make sense of your policy details, we’d be happy to answer any questions you may have and offer our expert advice. We will always contact you prior to your renewal date to provide a competitive quotation for the following year, giving you one less thing to worry about.
Rest easy knowing that you’ve found the cheapest rental property insurance. To get your cheap rental home insurance sorted call us on 01788 818 670. You can also head over to our online form to get a quote on a cheap rental home insurance policy today.
Amina was very helpful in sorting out my landlord’s insurance and spotted an error in my cover which helped reduce my premium.
We are first time landlords and you gave good advice and the process was easy and good value.
A pleasure to deal with, the lady on the phone was a credit to her company.
Frequently asked questions
When will I get my documents?
How do I calculate my rebuild cost?
Do my documents show the amount I have actually paid for the policy?
What is Loss of Rent Cover?
What is Property owners Liability?
What is White Goods cover?
Can cover be increased after the unoccupancy clause?
Will my policy automatically renew?
What is an interested party?
What happens if my property becomes vacant mid-term?
Does the type of tenant I have in my property affect my policy?
What if my tenant works but also receives benefits?
What does liability insurance mean?
Does the policy cover me if my tenants are injured due to the property?
Do I have to have landlord insurance?
How much does landlord insurance cost per month?
Features And Benefits
|High-Level Standard Cover
|Buildings up to the requested sum insured
|Accidental Damage Cover to Buildings
|Contents up to the requested sum insured
|Property Owners Liability (Up to £5 million)
|Landlords Contents Cover for White Goods (with some policies)
|Cost of temporary accommodation (in the event of an insured peril)
|Loss Of Rent Cover (in the event of an insured peril)
|Malicious Damage & Theft By Tenants
|Trace & Access Cover (most policies)
|Landlord Legal Expenses
|Legal Expenses & Rent Guarantee