Landlords Insurance

The landlords insurance policy commonly available to UK residents offers a variety of different types of cover, which can be bought added to or left out from the policy at your discretion. The amounts quoted are an average estimation of the values you would normally encounter when applying for your insurance, check with your financial advisor to determine the actual values covered by your policy.

Buildings Insurance
This covers the rebuilding of your property following loss or damage caused by fire, aircraft, malicious persons (including tenants), accidental damage to bathroom fixtures & fittings and glass, lightning, explosion, collision or impact, falling trees and earthquake, theft, subsidence, riot/civil commotion, storm, flood, escape of water or oil leakage and loss of rent - plus your re-letting costs - up to 30% of the sum insured following damage.

Properties must be let on an assured shorthold tenancy or Short Assured Tenancy (Scotland).

Also Includes:
Employer’s liability £10,000,000
Property owner’s liability £5,000,000

Contents Insurance
Cover on a new for old basis for loss or damage caused by fire, aircraft, malicious persons (including tenants), lightning, explosion, impact, theft, subsidence, riot/civil commotion, storm, flood, escape of water or oil leakage, breakage of mirrors and glass in furniture, replacement of locks following theft of keys and loss of rent - plus your re-letting costs - up to 30% of the sum insured following damage.

Properties must be let on an assured shorthold tenancy or Short Assured Tenancy (Scotland). Any other agreement must be referred to HomeLet for approval prior to cover commencing.

Also includes:
Employer’s liability £10,000,000
Landlord’s liability £5,000,000

Covers the cost of a contractor’s call out and labour charges, parts and materials up to a maximum of £500 (including VAT) for each emergency in connection with:

• Security of doors and windows
• Roofing, downpiping and guttering
• Electricity supply
• Cooking
• Lost keys
• Plumbing

Rent Guarantee
Total peace of mind for landlords. If the tenant fails to pay the rent, we will pay the rent you are expecting from your property until vacant possession is obtained for up to 12 months (excluding the first month’s lost rent).