Landlord Insurance

As a Landlord you’ll probably know that normal household insurance just isn’t suitable for the risks associated with renting out your property to tenants. What you need is Landlord Insurance.

What is Landlord Insurance?

Landlord Insurance is a specialist home insurance policy for landlords when renting a property to tenants. It differs from a standard home insurance policy by covering additional risks associated with renting a property that are not covered in a standard home insurance policy. As you may know, even with the perfect tenants, things can still go wrong. That’s where an InsuraHome Landlord Insurance policy comes in to protect you from accidental damage, liability, loss of rent and much much more!

Landlord Home Insurance is Available for:

  • Landlords and Buy-to-Let Properties
  • Clean and Non-standard Risks
  • Property Portfolios up to £15 million Total Sum insured
  • Landlords with Adverse Claims History
  • All Tenancy types and agreement lengths considered

Landlord Insurance Includes Cover for a Number of Perils:

  • Fire, Lightning, Explosion or Earthquake
  • Storm, Flood or Weight of Snow
  • Escape of Water or Frost Damage to Fixed Water Tanks, Apparatus or Pipes
  • Theft or Attempted Theft
  • Subsidence or Heave of the Site on which the Buildings Stand or Landslip

Key Benefits of InsuraHome’s Landlord Insurance:

  • Buildings Insurance with Accidental Damage Option – Minimum Sum Insured £75,000

 

Covers the costs associated with repairing or rebuilding your property if it’s damaged or destroyed. Buildings includes the home itself, any fixtures and fittings, swimming pools and much more.

 

  • Landlords Contents with Accidental Damage Option – Minimum Sum Insured £10,000, if Contents Insurance taken

 

Covers household goods and personal property within the home which belong to or for which you are legally liable for. Landlord contents include furniture, carpets, curtains, blinds, domestic appliances and more.

 

  • Accidents to Domestic Employees (such as Cleaners) up to £10,000,000

 

If you employ someone to work at the property such as a cleaner or a gardener, this section of cover protects you against claims for bodily injury from an event at your property.

 

  • Legal Liability to the Public up to £5,000,000

 

Liability cover is designed to project you in the event you are found liable for bodily injury or damage to property caused by an accident happening at the premises.

 

  • Landlords Legal Expenses
  • Rent Guarantee Option

 

Click here to see the full InsuraHome Landlord Insurance Policy Wording for the full summary of buildings and contents covers as well as optional covers.

What is Covered?
  • Landlords
  • Buy-to Let properties
  • All tenancy types
  • Non-standard properties

How to get a Quote

To get a Quote, simply do one of the following:

  • Click any of the 'Request a Quote' Buttons and complete the online form.
  • Call our Specialists on 01483 806 815.
  • Download our Application Form located on the 'Policy Documents' page, print it out and fill in your details using BLOCK CAPITALS. This form can then either be posted to us, or scanned and emailed to info@insurahome.co.uk.
  • Download our Application Form and save it to your desktop. Re-open it, fill it in digitally and click 'Send me to the InsuraHome Specialists' on the final page, once you have completed all questions.
  • If you would like to request a call, send an email to info@insurahome.co.uk with your name and contact number.

Please Note: Our Open Times are: 09:00-17:30, Monday-Friday.

Or speak to An InsuraHome Landlord Insurance Specialist by calling +44 (0) 1483 806 815

Main Features of InsuraHome Landlord Insurance Cover

Landlord Building Insurance Summary of Cover – InsuraHome Landlord Insurance

CoverLimit (£)
Minimum Building Sum Insured£75,000 (No Upper Limit)
Loss of Rent & Alternative Accommodation25% of Buildings Sum insured and up to 24 months
Alternative Accommodation due to SquattersUp to £5,000
Replacement LocksUp to £5,000
Unauthorised Use of Electricity, Gas or WaterUp to £5,000
Theft / Attempted Theft by TenantsUp to £10,000

Landlord Contents Insurance Summary of Cover – InsuraHome Landlord Insurance

CoverLimit (£)
Landlords ContentsMinimum £10,000*
Accidental Damage to Electronic EquipmentIncluded

*Minimum Content Sums Insured is £10,000, when the Contents Insurance option has been selected. If Contents Insurance is opted-out, up to £5,000 cover may be available as an automatic additional cover under Buildings Insurance.

Or speak to An InsuraHome Landlord Insurance Specialist by calling +44 (0) 1483 806 815

Landlord Insurance Frequently Asked Questions – FAQs

Is Landlord Insurance compulsory?

Landlord Insurance is not legally required and is therefore not compulsory although many mortgage providers require insurances as mandatory and some lettings agencies strongly encourage Landlord Insurance to the point where they will refuse to manage your property without it! However, even with the perfect tenant things can still go wrong which could potentially leave you out of pocket. That’s why landlord insurance is there to protect you financially against unexpected events that could otherwise cost a lot of money. Always refer to the policy wording for full summary of covers.

What does Landlord Insurance cover?

Landlord insurance should always have cover for buildings, which covers damages to the structure and any costs associated with the repair of damages to the structure that may come about. Contents cover is also available on landlord insurance which protects landlords against the cost of replacing any household goods and personal property within the home which belong to or for which you are legally liable for that may be damaged during the duration of the tenancy – this includes things such as furniture or domestic appliances. Other covers on a landlord insurance policy may include loss of rent as well as liability protection if your tenant is injured in the property and you are found liable.

What does Landlord Insurance cost?

The cost of a landlord insurance will vary from policy to policy depending on the size of your property, whether it is furnished or unfurnished, whether you rent to students and several other factors. When choosing a landlord insurance policy make sure that it meets your requirements to ensure that you are protected.

Contact InsuraHome Landlord Insurance UK

If you wish to speak to one of our InsuraHome Landlords Insurance Specialists:
Call: +44 (0) 1483 806 900
Email: info@insurahome.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).
For Claims information, please click here.

About Our InsuraHome Landlord Insurance Policy

Our Landlord Insurance Policy is underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard household insurance underwriting experience. InsuraHome Landlord Insurance is backed by a team of underwriters who are highly experienced and deal with each Landlord Insurance risk on a case-by-case basis. Therefore, our customers can be assured that all our InsuraHome Landlord Insurance policies provide tailor-made protection, as required.

How do I get an InsuraHome Landlord Insurance Quote?

At InsuraHome we like to provide you with first class customer service to ensure you are getting the protection you require.

To get an InsuraHome Landlord Insurance quote click the ‘Request a Quote’ Button and complete the online form. Alternatively download and complete an application form located on the ‘Policy Documents’ page and email it to info@insurahome.co.uk.

If you would like some assistance when completing your application form do not hesitate to call our InsuraHome Landlord Insurance specialists on 01483 806 900.

Or speak to An InsuraHome Landlord Insurance Specialist by calling +44 (0) 1483 806 815

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