Insurance is a pain – that’s why we’re here. Aimed at simplifying the whole process, QuoteSearcher gives you everything you need for specialist insurance in one place. We search multiple providers specialising in landlord insurance, pass on your details and requirements so they can connect directly with you to offer you a quote.
Instead of you having to mine results for the best price, our partners compete to get your business. This allows for competitive prices for the most effective policies from the highly-regarded specialist brokers. We know your time is precious, which is why the information from one simple form is enough to get the ball rolling.
When you manage a property, the last thing you need is to spend hours traipsing through insurance admin, which is why we do it for you.
Below is a list of some of the most common features of a landlord insurance policy for you to consider when looking for your own landlord insurance.
Protects the property brick and mortar against damage from fires and floods
Cover your for carpets, furniture, electronics and possessions
Guarantees rental income in the event property becomes uninhabitable
Public liability insurance
Cover legal and compensation costs against you in event of a claim
Business interruption insurance
Guarantees business income when property is unusable due to renovations
Emergency repairs insurance
Covers any emergency gas leak, burst pipe or pest infestation costs
Additional Policy Features
In addition to the standard policy features above, these optional extras can be added to your policy to provide additional cover and piece of mind
Accidental damage for buildings or contents
Employers’ liability protection against a legal claim from one of your employees
Malicious damage by tenants to cover any damage to furniture and fittings by lawful tenants on the property
Theft by tenants
There are certain risks and responsibilities to being a landlord in the UK. Any property you let must be safe and free health hazards.
Gas equipment: must be safely installed and maintained by a Gas Safe registered engineer; have a gas safety check annually.
Electrical system is safe, including all appliances you supply the tenant.
Fire safety regulations must be obeyed; provide a smoke alarm for each storey of the property; escape routes and; provide fire alarms and extinguishers if necessary.
FREQUENTLY ASKED QUESTIONS ABOUT LANDLORD INSURANCE
This is anyone, or any organisation, that has a financial interest in the property. For example, a mortgage provider. When applying for landlord insurance, you may indeed be asked how many interested parties there are.
To check this you will need to refer to your landlord insurance policy documents. The length of cover will be written into the policy. If you are still unsure then it will be a good idea to contact your insurer directly via telephone, or via email.
It is likely that you will need a separate insurance policy as the landlord insurance policy you have may not extend to cover the fixtures and fittings within your property. Even if it does, the replacement fixtures and fittings, should they need to be replaced, may not be on a like for like basis.
The majority of landlord insurance policies will offer some form of loss of rent as optional cover. Cover will be provided in the event that your property is so badly damaged, by an insured event, that it becomes uninhabitable, or access to the property becomes impossible. In this event the policy will cover the rent that you would normally receive from the property for up to a specific length of time, or up to the total sum insured, or until such time as someone can then begin living in the building again.
Once you have found the right policy that suits your needs and wishes, there will be certain legalities that you should be aware of. This will of course vary between different landlord insurance companies.
No, unfortunately not. Instead however, you can arrange landlords’ contents insurance for whatever figure is appropriate to you via your landlords insurance policy. In order to add this on to your policy as an extra, you will need to contact your insurance provider.
Most certainly. For example, if you have made a claim, or claims, in the past after burglaries and you still have not made any changes in order to make your property more secure, then you are a higher risk for an insurer than normal. However, if you have installed a home security system or made your home harder to break into with deadlocks, keylocks etc., then definitely tell your landlord insurance company. You could also ask them what you should do to get a lower premium.
I completed one simple form on the QuoteSearcher website and I received three excellent quotes. This was exactly what I was looking for!
James Kenneth - Carlisle
Getting my property protected was as easy as pie on QuoteSearcher. Once I had completed the form online their partners provided me with some superb quotes that included brilliant cover.
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