10% paid this or less for combined buildings and contents insurance between 4th May and 4th November 21. Excludes add-ons.
Landlord insurance covers the risks you face when letting or leasing a property. If the building or the contents inside are damaged, or you get into a dispute with your tenants, you could incur some hefty and unexpected costs.
Our landlord insurance is designed to keep your investments safe and will help get your property back up and running, should something go wrong.
Our landlord Insurance offers high levels of standard cover, plus options to increase limits and extend your cover if you need to. You also have the flexibility to lower your excess for a higher premium, or increase your excess for a lower premium, whatever works for you.
The following cover types are included in our landlord insurance, as standard:
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.
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.
For an additional premium, you can add any of these covers to your landlord insurance policy:
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.
If you take out a policy with us, you can also take advantage of the following benefits:
Your home insurance policy is unlikely to cover activity in your rented property. So, if you want to safeguard your income, it's important to obtain specialist landlord insurance.
Although landlord insurance isn't a legal obligation, most buy-to-let mortgage lenders will require you to take out insurance before your tenants move in.
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:
You/Your business:
Important statements about your Property/Properties:
Your property/properties:
Important statements about your tenants:
When you get a quote, we'll send you a personalised policy document that shows the cover you've chosen.
These can also be found when you log into My Account.
Here you can find examples of our latest landlord insurance documents which show the main covers we offer, plus exclusions.
To make sure you download the right document, please select the dates that cover the period you bought or renewed your policy and the latest version of the document will be displayed.
Our virtual assistant is here to answer your questions. And in cases where it doesn't have the answer, we'll put you in touch with someone who can help.
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