Details and documents - Landlord insurance

We offer good value insurance; other insurers may be cheaper but lower levels of cover can leave you open to risk. Our claims and loss adjusting service is available beyond office hours, meaning our professional, friendly staff are always here for you.

As a residential landlord you face unique risks. In addition to insuring your property and its contents, you'll need to protect yourself against legal action arising from an accident or injury on your property. With our property owners liability insurance, you can be confident that you're covered.

Key features of our buildings insurance cover

• Loss of rent and alternative accommodation following an insured loss
• Accidental damage to fixed glass, sanitary fixtures and underground services
• Damage caused by emergency access
• Costs of tracing and accessing leaks (up to £1,000)
• Your legal liability as owner of your home

Exclusions of our buildings insurance cover

• Damage by wet or dry rot
• Certain losses or damage when your home is unoccupied or unfurnished for more than 30 days in a row
• Certain loss or damage caused by you, paying guests or tenants (if property not professionally managed)
• Damage due to a fault or limit of design, manufacture or installation. In particular there is no cover for damage to underground services that do not work because they are worn out
• The cost of replacing any undamaged items, which form part of a set, suite or item of a uniform nature
• Loss or damage to your buildings from any cause not listed in the policy booklet - but wider cover is available with the accidental damage option
• The first £250 for escape of water claims, £1,000 for subsidence/heave/landslip claims and £50 for all other claims

Key features of our contents insurance cover

• Accidental damage to audio, video and computer equipment
• Contents in outbuildings (limited to £2,500 for theft) and in the open (up to £250)
• Replacement locks if keys are lost or stolen (up to £500)
• Loss of domestic fuel and metered water (up to £1,000)
• Loss of rent and alternative accommodation following an insured loss
• Damage caused by emergency access

Exclusions of our contents insurance cover

• No cover is provided for items used for business or professional purposes
• Certain losses or damage when your home is unoccupied for more than 30 days in a row
• Theft or malicious damage caused by you, members of your household, paying guests or tenants (if property not professionally managed)

Policy documents

• Landlord insurance policy summary (PDF 44.5kb)
• Landlord insurance policy wording (PDF 4.28mb)
• Landlord insurance application form (PDF 920kb)
• Landlord initial disclosure document (PDF 12kb)
• Terms of business (PDF 80kb)