More and more people are becoming residential property owners in the UK by buying homes and renting or letting them out to tenants, either outright or maybe on a 'Buy To Let' scheme. It can be one of the biggest investments you will ever make and you must make sure you have the correct and adequate insurance in place to cover you in the event of the worse happening.

What To Insure?.
If you let your property out to tenants then a standard household insurance policy will NOT give you the correct level of cover and if you had to make a claim you will not be paid.  More importantly you will not be covered against your legal liability as a landlord. 

There are a number of things you should look at covering under the policy, below are the main ones.

• Buildings.  You should insure the property for it's full rebuilding costs, including domestic outbuildings, gates and walls. You should also take in to account architects fees and debris removal.

• Landlords Contents.  You are not responsible for covering the tenants contents but if you have your own contents in there you may wish to insure them. These may be carpets, curtains, blinds, furniture etc.

• Public Liability.  All policies should include public liability and will normally be £ 2 million worth of cover.  This is vital to have and will cover you in the event of for example a tenant getting injured whilst in your property and you can be found liable.

• Loss Of Rent.  If the property becomes inhabitable due to an insured peril, e.g a fire and the property cant be rented out for say 6 months, you will lose out on the rental income you would have had. Loss of rent cover will ensure you are paid the same amount had your property not had that fire. 

We work for you not an insurance Company.

We are Independent Insurance Brokers and unlike many of our competitors who only offer one insurance product, we are able to access the entire insurance market to find the most suitable policy for your needs. We have access to some highly competitive specialist property owners policies designed specifically for Landlords and Property owners. Whether you own one property, or a portfolio we can provide the right cover at the right price

Contact us for a quotation or complete the attached enquiry form (word doc) which you can download and email to us.Alternatively you can complete our online enquiry form

Call us on 01635 860505

Individual Properties

or Portfoilios