Covers

Simply landlord offers the following types of insurance cover:

Buildings insurance

Usually the buyer of a property must take out buildings insurance as a condition of securing a mortgage. This means that as a landlord you are unlikely to be without it. But how do you know that you are fully covered?

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Contents insurance

If you rent your property furnished or part-furnished, you will need contents insurance. As these possessions are effectively a business asset, you should accurately be able to estimate the cost of replacing items should they be damaged or broken. The total cost of all your possessions is the amount you should be covered for.

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Public Liability Insurance

This type of insurance covers compensation claims awarded to members of the public for an injury to them or damage to their possessions caused by you or your property. It can also cover related legal expenses and fees, and any medical costs passed on to you.

Loss of rent & Alternative accommodation

If your rental property is damaged or destroyed and made uninhabitable, you will inevitably suffer a long period without rental income. Loss of rent insurance covers you in these circumstances.

Generally Loss of Rent comes hand in hand with Alternative Accommodation. This allows you to cover the cost of accommodation for your tenants while the property is being repaired.

Legal Expenses

If you rent out a property for long enough, sooner or later a tenant is going to let you down. For some unlucky landlords this results in a drawn-out and expensive legal process. Legal expenses insurance covers legal costs involved with pursuing a tenant for vacant possession or to evict unauthorised occupiers. It can also cover your legal costs for claiming damages from a tenant for failing to return your property to you in the same state of repair in which they first rented it from you.

Acts of Terrorism

Premiums are not expensive but do depend on the location of the property. Often this extra cover is considered by landlords with buildings situated in inner city areas and the rates are calculated accordingly.