Landlord Insurance

We accept self-contained dwellings let to single occupants, couples, bed-sit accommodation with shared facilities and houses in multiple occupations (HMOs). We can also insure most commercial and part-commercial let properties at competitive rates.

Quotations for commercial let properties are not currently available online, please phone or email us. Hostel and B&B type properties, care homes, nursing homes and properties catering for specific disadvantaged, vulnerable or problem occupants cannot be insured on the scheme policies, but we may be able to offer a quotation on an individual basis.

Occasional claims are acceptable at normal terms. When you request an online quotation you will be asked for details of relevant claims.

No, such items are automatically included within the definition of ‘buildings’ in our landlords’ policies. There is no need to arrange separate landlords’ contents insurance in these circumstances.

You can get guidance on rebuilding costs at the BCIS website, but you should seek professional advice if unsure of the correct figure. We can assist you with calculating rebuilding values for straightforward properties.

You are covered for legal liability to third parties up to £5 million for any one incident.

Providing that your tenancy agreement is directly with the tenant, unemployed persons, students, and those receiving housing benefit/allowance are all acceptable.

Full cover will operate for a period of up to 90 days, subject to you taking certain precautions. Please refer to the Summary of Cover or Specimen Policy Wording for precise details of the precautions.