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Residential Landlords Insurance (final)2019-12-11T11:38:24+00:00

Residential Landlords Insurance

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0800 085 3761

Why choose us?

At Property Insurance Centre, our priority is our customers, so whether you want to apply for quotes online or speak to one of our experienced specialist team, we aim to give you the best range of Landlords Insurance Quotes.

As a specialist insurance broker, we strive to give our clients the best service with:

  • Independent broker with approachable staff online or by phone

  • Access to a wide range of insurers to source suitable insurance cover for your needs

  • Bespoke Insurance Schemes & Portfolio Policies available

  • We can tailor your policy to suit your exact needs to give you complete peace of mind

  • Competitive Premiums

  • Cover available for the buildings while the property is being converted, renovated or extended

  • Over 40 years experience working with the best insurers in the UK

  • Excellent communication so that you understand what risks you are insured against

What Cover does Residential Landlords Insurance Provide?

At Property Insurance Centre we can tailor a policy to suit your needs. We understand that everyone’s insurance requirements are different, so whether you have multiple properties and need a single portfolio policy, or one stand alone insurance policy, we can create the right policy for you. Typically cover can be arranged to include:

  • Property Owners Liability – To protect you against any claim that your tenants could make against you – usually cover starts at £2,000,000 but can be increased to £5,000,000
  • Landlord Contents  – To protect any damages that can occur to your contents in your property you rent out (this does not cover the contents belonging to your tenants)
  • Malicious Damage – In the event of intentional damage done to your property by tenants (this cover usually has a limit and an increased excess)
  • Cover for Unoccupied Properties – If your property is empty for 30 days or more, specialist unoccupied property cover is needed
  • Loss of Rent / Alternative Accommodation – Should your property become uninhabitable due to an insured peril such as fire or flooding, this will cover the cost of lost rent or alternative accommodation. This is particularly important if you have fixed overheads like a mortgage
  • Escape of Water – One of the most common problem a Landlord will have is burst pipes
  • Escape of Oil – Although most properties have switched to Gas, there are plenty that have oil. Escape of Oil can affect you & your neighbours very quickly
  • Accidental Damage – included as standard to Fixed Glass. You can also add Full Accidental Damage to give that extra layer of protection
  • Impact – Can be from 3rd party vehicles or animals
  • Storm
  • Flood
  • Fire
  • Subsidence

Optional Cover can also be arranged for:

  • Legal Expenses – should a claim go to court, this will cover the costs of hiring a lawyer or court fees
  • Terrorism – This protects the buildings and landlord contents against a terrorist attack

Is your Property Unoccupied and you intend to let?

  • We can give 90 days unoccupancy cover and include wider perils insurance cover so long as there are no works planned. Ask about our 5 star Defacto Rated Unoccupied Property Scheme. This policy is market leading in price & cover – you will not find a better policy in terms of price or cover!

Call our dedicated new business team on 0800 085 3761 to discuss your Landlords Insurance needs. Our Staff are Cert CII Qualified and will find the right policy for you at the right premium.

We have over 40 years experience working with:

Who Needs Residential Landlords Insurance?

If you own any property that you rent out for residential purposes then you need Buy to Let Insurance. Despite the fact that there is no legal obligation to have Landlords Insurance, if you have a mortgage on your property, your lender may require you to have insurance before you take on tenants. As well as needing insurance to meet your mortgage requirements, insurance is necessary to protect you against any liabilities you have towards your tenants, and also to protect the building itself. Without insurance, if a tenant were to have an accident due to your negligence, for example a fall on badly fitted carpet, they could start legal proceedings against you. The cost of legal fees and compensation alone could completely negate the profit you have made from rental income.

Call us on 0800 085 3761 or contact us here to get a range of Residential Landlord Insurance Quotes.

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