Landlord insurance

Saving you time with your quote

Please ensure that the information provided by you is correct, and you comply with the statements on this page. If your circumstances change between the date you purchase the policy and the policy start date, please call us. Failure to do so may mean that your insurance policy is not valid or that we may not pay all or part of your claim(s).

We don't charge administration fees for mid-term changes to your policy.

If you decide to cancel your policy during the period of insurance an administration fee for cancellation will apply amounting to 1/12th of your annual premium, up to a maximum of £50.00 (calculated at the time of cancellation, plus current rate of Insurance Premium Tax where applicable).

The below statements are what you need to agree with for us to be able to offer you this insurance policy.

Neither You, nor Your Directors nor Your Business partners:

• have ever had a proposal for insurance declined or special conditions imposed by any Insurer
• have ever been convicted of or charged (but not yet tried) with a breach of any health and safety legislation, or any other criminal offence other than parking or speeding offences or offences which are spent under the Rehabilitation of Offenders Act 1974
• have been the subject of a County Court Judgement and/or ever been cited in any unsatisfied court judgements (or the Scottish equivalent) within the last 10 years
• have been subject to bankruptcy or insolvency orders which are either outstanding or have been discharged for less than 5 years
• have ever had a proposal for insurance declined or special conditions imposed by any Insurer
• have ever been convicted of or charged (but not yet tried) with a breach of any health and safety legislation, or any other criminal offence other than parking or speeding offences or offences which are spent under the Rehabilitation of Offenders Act 1974
• have been the subject of a County Court Judgement and/or ever been cited in any unsatisfied court judgements (or the Scottish equivalent) within the last 10 years
• have been subject to bankruptcy or insolvency orders which are either outstanding or have been discharged for less than 5 years

You/Your business:

• comply with all of your legal obligations as a landlord

Important statements about your Property/Properties:

Your property/properties:

• are built solely of bricks, stones or concrete and roofed solely of slates, tiles, asphalts, concrete, metal or other incombustible materials other than flat roofs
• are secure, watertight and maintained in a good state of repair and will be maintained
• are not Grade 1 Listed in England and Wales, Category A in Scotland, Grade A in Northern Ireland, or the equivalent within the Channel Islands and Isle of Man
• are not sub-let
• are not occupied as halfway houses or bedsits
• are not let to housing associations, Local Authorities or to asylum seekers

Important statements about your tenants:

• only those individuals who have signed the tenancy agreement with you shall permanently reside at the property unless they are:
  • members of the same family
  • the partner of the tenant
  • individuals under the age of 18 for whom the tenant is the legal guardian
• at least one of the individuals who have signed the tenancy agreement must be employed (or have been in the last 6 months), in full time education (or have been in the last 6 months), retired, in receipt of carers allowance or disability benefit at the point of signing the tenancy agreement

The type of landlord insurance that you need will differ depending on your requirements. There are three key cover levels of landlord insurance - Buildings, Contents and Leaseholders Fixtures & Fittings. Buildings Insurance provides cover for damage to, or loss of, the property's structure. Contents covers damage to, or loss of, landlord's possessions left within the property, like furniture. Leaseholders Fixtures & Fittings cover covers the fixed fittings within a property, like Bathroom suites or kitchen units, where cover is excluded under the main buildings insurance policy which has been arranged such as a for a block of flats. You can combine your insurance covers like Buildings and Contents if you need to cover both the property structure and possessions in the property.

For more information please click here.

You can add extra properties to the same policy, a multi-property insurance policy could help you consolidate your renewal dates to one and give you the peace of mind that all your properties are covered, you may also be eligible for multi-property discounts.

To obtain a quote you need to enter your details, any past claims history together with the details of the property and the tenants you are renting too. Property details you would need include the rebuild value, the age and construction of the property.

In most cases, home insurance will not be sufficient to cover a rented property. This is because you are not living in the property and renting your property for an income is a business. Some of the risks you may face will be different, for instance, you could be liable if a tenant hurt themselves in your property due to the property being unsafe or your tenant might purposely damage the property.