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Landlord Insurance: Great Cover, Great Premiums

As a landlord it’s vital to ensure your properties are properly protected with high quality, competitively priced landlord insurance. After all, these properties are more than just bricks and mortar – they’re part of your business and are probably your greatest financial assets.

At Coversure we appreciate how important getting the right protection for these assets is and we can offer you a range of landlord insurance quotes that are as individual as your properties.

Since our founding in 1986, we have helped thousands of professional property owners protect their rental properties and have developed a deep understanding of the needs of landlords’ large and small. This means when it comes to getting a landlord insurance quote, we can tailor a policy to your exact requirements. For example; if you are a student landlord we can factor-in unoccupied property insurance cover for the holidays. Similarly, if your portfolio includes flats or houses with communal areas, we’ll recommend a policy that has public liability insurance incorporated within it.

To get your great value landlord insurance quote, simply complete the short form below and your local office will get back to you as soon possible.

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To see how much Coversure can save you on high-quality landlord insurance, just complete this short form and we will get back to you as soon as possible:

What Does A Landlord Insurance Policy Cover?

Like so many commercial covers, landlord insurance isn’t a one-size fits all policy. It’s something that needs to be tailored to your properties and the tenants you are providing homes for. There are, however, some core elements that you should look for in a policy, such as:

  • Landlord liability - If a tenant or visiting member of the public suffers injury or damage to their possessions as a result of a fault with your property, you could be held liable in law. A successful compensation claim in these circumstances could be crippling, so make sure your landlord policy gives you adequate protection
  • Loss of rent – being a landlord is like running any other business and its aim is to make money, in this case by charging rent. But what if you were unable to collect that rent owing to the property becoming uninhabitable following a flood or fire? With loss of rent cover, you will be able to claim all or a portion of lost rent in these circumstances, and you can even claim for the cost of providing alternative accommodation for tenants<br /> Please note: this cover will not reimburse you should your clients simply fail to pay the rent. For that, see the tenant default section below
  • Tenant default – rent is the lifeblood of your business, but what if tenants can’t or won’t pay you? The mortgage and other bills will still keep coming in and you could quickly find yourself experiencing financial difficulties. If you have tenant default cover as part of your policy then you’ll be covered for up to eight months’ lost rent if tenants fail to pay for two consecutive months. Take out a tenant default option and you’ll usually get landlord legal expenses cover as well, which covers property-related legal fees up to £50,000, including legal action to repossess the property or pursue unpaid rent
  • Buildings insurance – this will form the basis of most landlord policies and provides protection should the property be accidentally damaged by common risks such as fire or flood. Most mortgage lenders will insist that you take out buildings insurance, unless you own the property on a leasehold basis, in which case your lease owner or management company may already have a policy. You also need to make sure that your building is covered for rebuild costs. These are not the same as the market valuation and you should get a professional assessment of these costs before taking out a buildings insurance policy
  • Alternative accommodation – accidents happen, disaster strikes. Suppose you’re unlucky enough to have a fire and your rental property is temporarily rendered uninhabitable, what then? Your tenants still need somewhere to live and if you’re contractually obliged to provide alternative accommodation in the event that the property becomes uninhabitable, then you could be facing a hefty bill. If you have alternative accommodation cover as part of your wider landlord policy, then the cost of providing somewhere else for them to stay will be covered
  • Contents insurance – this gives you financial protection for your possessions within your properties should they be damaged or destroyed. Landlord’s contents insurance makes particular sense if your property is being let on a partially or fully-furnished basis. <br />Please note: this will not include your tenants’ possessions; they will need to take out their own contents policy for that
  • Unoccupied property insurance – despite your best efforts, there may be times when your property is left unoccupied. It may be that you are between tenants or that its undergoing modernisation or renovation. Many standard landlord policies will not cover you if the building is left unoccupied so taking out unoccupied property insurance cover can make a lot of sense. If your property is undergoing renovation you may also need to consider renovation insurance, this policy

Get A Great Value Landlord Insurance Quote

Coversure can help with virtually all your property protection needs. With over 90 offices around the UK, help is always close at hand. To find out more, to get some friendly independent advice and a great landlord insurance quote, contact your local Coversure office.

And we can also provide insurance to cover a wide range of tenants, such as:

  • Private rental clients
  • Asylum seekers
  • Business tenants
  • DSS and housing benefit claimants
  • Housing association tenants
  • Local authority tenants
  • Multi-tenure occupiers
  • Owner-occupiers
  • Students

What Types of Property Can Be Insured with Coversure?

The landlord policies that Coversure can offer are flexible enough to cover a wide range of property types, including;

  • Residential dwellings
  • Buy-to-lets
  • Homes under multiple occupancy (HMOs)
  • Office blocks
  • Industrial units
  • Listed buildings
  • Flood risk properties
  • Properties in conservation areas
  • Second homes
  • Holiday homes
  • Unoccupied properties
  • Blocks of flats
  • Thatched properties

Why Choose Coversure? Over 97% Customer Satisfaction Score

With over 90 offices across the UK, great value protection is never too far away. With Coversure you get an award-winning combination of high-quality covers, supplied by some of the UK's largest insurers, and dedicated customer service supplied by a local, independent broker. With privileged access to insurers such as Aviva, Covea, RSA, with Coversure you can get the best from the best at a competitive premium. Little wonder then that over 97%* of our customers are either very satisfied or satisfied with our service.

*Ratings based on Coversure's 2016 Customer Survey.

Like Some More Help?

Coversure's offices have years of experience in providing great value landlord insurance. So why not get in touch with your local Coversure office today. They will be more than happy to assist you with finding the cover you need for an affordable premium.

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