Residential Property Owners Insurance / Buy to Let Insurance / Landlords Insurance

INSURANCE ON RESIDENTIAL BUY TO LET PROPERTIES

Are you looking for a competitive insurance quotation for your Buy to Let / Landlords Insurance ?

If you own a property that you do not occupy, you need a specialist property owners insurance policy. These insurance policies can cover private houses, flats, commercial premises or a combination of types.

A typical property owners policy can cover:

• Physical damage to the premises
• Loss of rent following damage to the premises
• Property owners liability to cover you against a claim made against you as a property owner
• Employers liability (a legal requirement), to cover any staff you employ (e.g. cleaning or maintenance staff)
• Engineering inspection (optional cover to cover statutory inspection of lifts etc)
• Landlord's Legal Protection Insurance
• Property Emergency Solutions  to cover call out charges and labour and parts (up to a specified limit) following a breakdown of the heating system, plumbing and drainage, damage that threatens the security of the property, failure or breakage of a toilet unit, domestic power supply and vermin infestation.

If it is a residential premises, it is vital that you advise the insurers of the type of tenant. We can cover all types of tenants including:-

• Professional or Working Tenants
• Tenants that are DSS recipients
• Tenants that are Asylum seekers
• Tenants that are Students
• Tenants that are Foreign Students
• Unoccupied Houses or Flats
• Owner occupied properties with foster children, foreign students or paying guests

Many insurers will not cover premises that are unoccupied or occupied by students, DSS recipients or asylum seekers. However – do not worry - we have a very wide range of insurers and can place most types of property - ring or e-mail us and let us do the hard work for you!

Quotes & Enquiries

Click here for an immediate online property owners quote.

or Click here for a quote on an unoccupied property.

or for general enquiries or a bespoke quotation, click here.

or

Ring Sashi on 0116 284 6093 for help, advice or a quotation on your let property

Frequently Asked Questions

What is Landlords Legal Expenses Insurance?
Landlords Legal Expenses Insurance is a cost-effective insurance product that will help protect you should you need to pursue or defend your legal rights.
Landlords' Legal issues can be complex and sometimes difficulty to resolve, but with Landlords Legal Cover you will have peace of mind knowing that having legal expense cover will remove the financial burden that stressful legal situations can bring.

The cover between policies can vary, but for example the Landlords Legal Solutions cover available on the Property Protector Insurance Policy  is designed to help in a number of situations including:

• assistance with the eviction of squatters from your Property.
• defence of prosecutions brought against you.
• help to repossess your Property.
• help to recover unpaid rent due from your tenants.
• pursuing a claim against another party following damage to your Property.
• accommodation costs up to £75 per day whilst you are trying to regain possession of your Property up to a maximum of £2,250 in total.
• the payment of rent up to a maximum of 12 months until you obtain vacant possession (only operative if shown in the Schedule).

Can I insure more than one property?
We can usually put any number of properties on a policy.  By having a multi-property policy, you will benefit from easier administration and also discounted rates

What is the Buildings Sum Insured?
This should represent the cost of rebuilding your property if it was completely destroyed - it should NOT represent the market value of the property ( which is often higher than the rebuilding cost).  However it is important that you do not underestimate the Buildings Sum Insured, as this could result in any claim settlement being reduced in proportion with the amount of underinsurance.
If you are unsure how much you should insure for, click here for the website of the Association of British Insurers to help you arrive at a realistic figure.  if your property has been purchased relatively recently, you could look at the survey, as this may well give you advice on the rebuilding cost.