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Landlord Insurance

Landlord insurance is similar in many respects to home owners buildings or property insurance.  It is designed specifically for a landlord’s rental property, both residential and commercial. At its most basic landlords insurance provides protection for landlords against the costs of property repairs or reconstruction as a result of disasters such, fire or flood.

The basic Landlord insurance policy provides valuable disaster insurance, should the worst happen to a property, and is often a requirement for obtaining a mortgage or other finance secured on the property. As a minimum level of protection, Landlords Insurance should be for the rebuild cost of the property. Landlords insurance also provide landlords with liability cover should a third party injure themselves at the property and hold the landlord responsible for injuries or damages incurred.

Landlord Insurance provides

  • Insurance against property damage or destruction
  • Insurance against 3rd party claims of injury or damage

Compare landlord insurance

The value of landlord insurance to landlords cannot be underestimated, but at what cost? The landlord insurance market is one of the most competitive insurance markets in the UK. This competition means that lots of insurers are offering landlords a whole range of feature packed landlord insurance policies to compare. The professional landlord has a duty to themselves to compare landlord insrance quotes and other overheads as time allows them too, in order to maintain profitability. Fortunately today even the busiest landlord can compare landlord insurance quickly at any time of day online. By comparing landlord insurance online landlords can make informed decisions on the level of cover and costs that are right for them.

Compare Landlord insurance – the ultimate back stop for landlords, facing property disaster or legal worries.

Extending landlord insurance

With so many potential liabilities faced by landlords, it is sometimes advisable for landlords to extend their insurance policy to include landlord’s contents insurance, legal protection and rent guarantee cover.

Landlord Insurance Contents
Designed specifically to protect the contents of part or fully furnished property lets. Landlord contents insurance only protects a landlords own contents, tenants should arrange their own contents insurance if required.

Landlord Insurance Rent Guarantee
If, as a landlord, you rely on your rental property for an income, rent guarantee insurance can provide valuable cover and can often be included in a landlords insurance policy.

Landlord Insurance for property portfolio

Unlike home insurance, which is designed as a standalone insurance policy for your main residence, Landlord Insurance can often be extended to protect entire property portfolios. From a single retail property with a separate flat; to a portfolio of apartments, residential properties and commercial units under one single Landlords insurance policy. The advantages of having one policy to protect a property portfolio are many and varied. A single renewal date and one point of contact for claims is a distinct advantage for a busy Landlord. Overall, Landlords insurance premiums can often be reduced when compared to separate landlord’s insurance policies.

Cheap Landlord Insurance

Being a landlord is a tricky business: by making sure you have the right level of protection at the best possible price is an essential part of making your business profitable. By following these simple tips you can make find cheap landlord insurance
  • Increase your Landlord Insurance policy excess - a small increase in voluntary excess on your landlord insurance policy can result in big savings
  • Shop around – Landlord Insurance Premiums vary considerably, so compare landlord Insurance policies online.
  • Save on tax - Your landlord insurance policy should be a tax-deductible expense
  • Choose your Landlord Insurance options wisely - You can tailor your landlord contents insurance policy to suit you. You might not have any contents apart from carpets in the property, so you won't need the same level of contents cover as a landlord with a fully-furnished corporate rental.