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Landlords Insurance

Landlord insurance is an important type of cover that serves to protect landlords against potential losses associated with a rental property. This isn't just standard property insurance, but rather a tailored solution that places a spotlight on the additional risks that come into play when a property is rented out to tenants. In essence, landlord insurance forms a defensive shield to keep landlords from bearing the financial brunt of unexpected incidents related to their rental properties.

There exists a wide array of landlord insurance types, each uniquely designed to address different risks and eventualities. These include cover for the building itself, ensuring you're not left out of pocket if structural damage occurs. Contents insurance covers any items you provide within the rental property, a valuable safeguard if these possessions get damaged or stolen.

Accidental damage cover is another critical aspect of landlord insurance, stepping in to cover costs if accidental damage occurs at the hands of a tenant. Liability insurance forms another component of comprehensive landlords insurance. This ensures you're financially protected if a tenant or visitor experiences an accident on your property and decides to take legal action.

Loss of rent / rent guarantee is also a beneficial inclusion in a landlord insurance policy, providing a financial safety net if a covered event leaves your rental property uninhabitable, causing a disruption in your rental income.

Investing in a comprehensive buy to let insurance / let property insurance allows landlords to navigate the rental market confidently, knowing they are adequately covered against a multitude of potential risks. Whether you're an experienced property owner or a newcomer to the rental industry, understanding and procuring a robust landlord insurance policy is an integral part of safeguarding your investment and ensuring ongoing success in your property ventures.

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Frequently Asked Questions

Why do I need landlord insurance?

Cover that protects landlords from risks associated with their rental property. It usually includes buildings and contents insurance but can also include landlord-specific covers such as property owners’ liability, loss of rent, and tenant default insurance.

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Why would I need Landlord Home Emergency Cover?

The policy is designed to provide cover for the cost of contractor's emergency call-out and labour charges, parts and materials following a specific occurrence.

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Do you cover the property while unoccupied?

Yes, we do for all risks up to 60 days.

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Do you cover Storm or flood damage?

Yes, unless specifically excluded in the policy documents

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