Why Landlord insurance?

Nurse duck fixing trips and slips

Whether you have 1 or up to 10 properties you rent out, our Landlords insurance can cover your homes.

We have claims handlers available to make sure you’re taken care of for any claims and on a happier note we’ll be there for you if you increase the number of homes you own.

Remember, ‘Life moves pretty fast, if you don’t stop and look around once in a while, you could miss it’. So look around and if you like, get a quote.

Ways to get a quote!

Want to chat to a member of our UK call centre team? No worries, you can call us.

Call us now

Not liking the idea of speaking to a human? Get a quote online.

Online quote

Or just prefer to speak later on? No worries, you can get a call back quote.

Our cover explained

Core covers:

 Buildings

  • Cover for your property if it is damaged and has to be repaired or rebuilt due to an event covered under your insurance like a fire

Employers Liability

  • Compulsory by law for all businesses that employ staff on a full time or part time basis with some limited exceptions such as family members engaged in the business who may be exempt.
  • Standard covers the legal liability for bodily injury to employees with a limit of indemnity of £10m.

Public Liability

  • Property Owners Liability covers legal liability for bodily injury to third parties and damage to their property.
  • Standard cover at a limit of £2m but there are other limit options for you.

Legal expenses

  • Indemnity of up to £100,000 to cover legal fees for a range of disputes such as Employment, tax, compliance… plus many more

To view a summary of what’s included and not included please read our summary of cover at the bottom of the page

Optional cover:

Landlord contents

  • Contents cover provides cover against damage to fixtures and fittings that aren’t part of the building – such as fridges or washing machines, free standing ovens; as well as beds, sofas and other free standing items of furniture.
  • Damage to floor coverings are included– This means carpet, laminate floors and lino.
  • Replacement locks up to £25,000 – in case they’re broken due to a burglary or need replacing because of theft of keys.
  • Alternative accommodation for tenants – covers up to £25,000 for housing tenants if the property can’t be lived in due to an insured event, such as flood or fire.

To view a summary of what’s included and not included please read our summary of cover at the bottom of the page

Claims explained

We’re aiming to help our customers in as many ways as possible and one great example of how we can help is a claim that was put in for a home where the ground moved and caused damage to the building (subsidence).

The cause of the subsidence was a few Oak trees soaking up all the water from the clay soil causing the ground to crack. Until these trees were removed the issue would continue.

The good news however was that our claims team realised the trees were part of the local authorities responsibility. The Authority were then called into action and removed the trees and the customers house was repaired.

All in all, a great result for customers everywhere.

Our claims promise

We will always try to talk to you to let you know what’s happening with your claim and once a claim is settled we will usually pay out in less than 48 hours.

Need to make a claim?

View our claims page for more information.

 

icon of a hand holding up a person

Policy documents