Landlords insurance for buildings and contents includes as standard:
- loss or damage arising as a result of fire, storm, flood, falling trees, theft, malicious acts or vandalism
- Up to £40,000 for your loss of rent or for providing alternative accommodation for the tenant following damage caused by an insured event.
- legal liability as owner of the buildings for causing injury to others or for damage to their property up to £2,000,000 for any one claim
- home emergency cover – with our buildings insurance you get up to £150 towards paying for call-outs or repairs if you have an emergency. This cover is provided by Inter Partner Assistance SA and administered by HomeServe Claims Management Limited.
Contents only cover is only available in circumstances where the buildings is tied to another insurer, such as in the case of a leasehold flat.
Landlords Insurance additional cover options
With our Landlords Insurance, you can tailor your policy with the following optional cover:
- buildings accidental damage and malicious damage by tenants to cover you for incidents such as banging a nail through a pipe or putting a foot through the ceiling whilst in the loft and malicious damage by your tenants.
- contents accidental damage and malicious damage by tenants so you don’t have to worry about things such as spills on carpets and malicious damage by your tenants.
- legal expenses, rent guarantee and eviction of squatters cover insures you for irrecoverable costs and fees to pursue or defend claims involving breach of tenancy agreement and unpaid rent in excess of one month and up to 12 months. The maximum amount payable for legal expenses and unpaid rent in any 12 month period of cover is £50,000. Claims are handled on our behalf by DAS Legal Expenses Insurance Company Limited
Please note that Landlords Insurance is designed to cover certain unforeseen events and doesn't cover everything. It does not cover things like general wear and tear or damage that happens gradually over a period of time. There is also an excess on each claim.
This is only a summary of the cover, limitations and exclusions apply. Further details of what is and is not covered are available in our Key Features Document.