Landlord Insurance: we won't be beaten on price

Landlord insurance covers:

• Standard cover

  The following cover types are included in our landlord insurance, as standard:

  • Buildings Insurance, including Boiler Cover.
  • New-for-old Contents Insurance, including Replacement Locks Cover.
  • Fixtures and Fittings Cover – are you a leasehold landlord of a flat? This covers you for damage to permanent internal fixtures that are not insured under the block of flat insurance policy covering the buildings.
  • Glass and Sanitary Ware.
  • Public Liability cover of £2m, with the option to increase.
  • Floor Coverings (up to £5k, with an option to increase).
  • Alternative Accommodation so we'll pay to re-house your tenants following an insured event such as a flood or fire, subject to policy limits.

    *Either buildings OR contents is standard, not both.

• Optional cover

  For an additional premium, you can add any of these covers to your landlord insurance policy:

  • Landlord Emergency – if there's an insured emergency at your rented property, we'll send out a contractor to deal with the problem.
  • Legal Expenses – covers the cost of defending your legal rights. Includes Repossession Cover, Nuisance and Eviction of Squatters Cover, and Tax Protection.
  • Rent Guarantee – As part of Legal Expenses, add Rent Guarantee to cover unpaid rent if your tenant or ex-tenant is still in your residential property.
  • Loss of Rent – this covers lost income if your property becomes uninhabitable following an insured event, such as a fire or a flood.
  • Accidental Damage for buildings and/or contents when you've insured them.
  • Employers' Liability – this covers you if an employee makes a claim against you for a work-related injury.
  • Theft by Tenant Cover.
  • Malicious Damage by Tenants.

  • You can extend your policy to help protect your rental property against damage caused by acts of terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents and/or loss of rental income. Acts of terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.

    Terrorism cover is not available for properties that are located in the Channel Islands, Isle of Man or Northern Ireland.

    Terrorism insurance is an optional cover so an additional premium will apply.

    You can include Terrorism cover to your policy by either processing this online or calling us on 0345 301 5066 when you take out your policy with us or at renewal as it cannot be added to your policy mid-term.

• Other benefits

  If you take out a policy with us, you can also take advantage of the following benefits:

  • 0% interest if you pay by instalments in the first year

    Subject to eligibility, over 18's only.

  • No admin fees if you make changes or add further properties to your policy.
  • Add up to 15 properties on one policy, with one renewal date.
  • Access to our 24/7 legal helpline.
  • Access to your own specialist claims handler should the worst happen.