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Landlord Insurance from Direct Line gives you the cover you need as the landlord of one or more rented residential properties.
Whether you just run a single property on a buy-to-let basis, or manage a portfolio of rental properties, you could be at risk from fire, theft, malicious damage, and public liabilities, amongst others. Direct Line's Landlord Insurance covers you against each of these risks as part of its comprehensive standard cover and then allows you to tailor your policy for your own purposes, adding optional extras or increasing cover levels to suit your particular requirements.
For full details, please refer to the Landlord Insurance policy document, or read on for a guide to our cover: it's a good deal better!
Standard Cover
Buildings: cover against damage to your building including fixed glass and landlord's fittings, arising from perils such as fire, flood and theft.
Accidental Damage to your buildings: this provides cover for damage caused:
- to underground drains, pipes and cables
- to fixed glass and sanitary ware
- to the structure as a result of an accident e.g. drilling through power cables or water pipes
(please note: this policy does not cover theft or malicious damage by tenants and persons lawfully on the premises)
Public liability: up to £2m of cover for compensation payable arising from injury to third parties or damage to their property caused by you in the course of your business and for which you are held legally liable. You can increase the limit of cover if required.
Optional Covers
Landlord's Contents: cover for fixtures and fittings, furniture, furnishings, utensils and domestic appliances belonging to you arising from perils such as fire, flood and theft. Also, if you take out Landlord's Contents Cover, you automatically get Accidental Damage to Contents as standard. This covers you for:
- accidental damage to furniture, furnishings, utensils and domestic appliances belonging to you as the Landlord
- breakages to mirrors and glass
- day-to-day accidents such as paint or wine spillages
(please note: this policy does not cover theft or malicious damage by tenants and persons lawfully on the premises)
Rent Receivable: cover against loss of rental income caused by damage to your property, plus reasonable additional expenses to mitigate the effects of the damage you suffered. Cover includes provision of alternative accommodation and up to £10,000 and book debt cover.
Employers' liability: up to £10m of cover against compensation claims by your employees injured in the course of employment by you where you are held legally liable, as well as expenses and legal costs arising from such an injury.
Personal Accident: benefits are payable in the event of the death or temporary or permanent disablement of specified employees arising from an accident.
Equipment Breakdown: cover against direct physical damage to equipment resulting from breakdown, building collapse or events such as boiler explosions.
Interested? Why not get a Landlord Insurance quote!
Terrorism Insurance: if you would like to add cover against damage to property and loss of income as a result of an act of terrorism to your Residential Landlord Insurance please call us on 0845 301 4827.
Need more information? See our policy document.
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