Insurance - for Landlords

We can advise on a variety of insurance policies for both landlords and tenants, including the following -

Buildings Insurance
Covers the rebuilding of your property following loss or damage caused by fire, aircraft, smoke, malicious persons (including tenants), accidental damage to bathroom fixtures & fittings and glass, lightning, explosion, collision or impact, falling trees and earthquake, theft (by forcible means), subsidence, riot/civil commotion, storm, flood, escape of water or oil leakage.

Limited Contents Cover
Where the property is let unfurnished limited contents cover is available; this normally provides cover for the following items: Carpets, Curtains, Sun Blinds, Light Fixtures & Fittings, and Kitchen White Goods.

Contents Insurance
Usually provides cover on a new for old basis for loss or damage caused by fire, aircraft, smoke, malicious persons, lightning, explosion, impact, theft (by forcible means), subsidence, riot/civil commotion, storm, flood, escape of water or oil leakage, breakage of mirrors or glass in furniture & replacement of locks following theft of keys.

Legal Expenses
You may be unable to collect the rent, your tenants may damage or remove your personal possessions, or they may cause a nuisance to your neighbours. All these problems can be resolved by legal action but this is expensive. This cover usually includes all of your legal expenses up to £50,000.

Rent guarantee
This policy provides total peace of mind for landlords. Cover usually includes the rent you are expecting from your property until vacant possession is obtained for up to 12 months (excluding the first month's lost rent).All related legal expenses are usually included.

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