Landlords insurance covers you against the cost of repairing or rebuilding your let property or replacing its contents owned by you, depending on which cover you choose.
If your let property is damaged or destroyed, repair and rebuilding costs quickly mount up. Replacing your furnishings can also be expensive, without landlords insurance you would have to cover these costs yourself. Landlords Insurance is designed to cover certain unforeseen events, but it doesn’t cover everything.
Most policies will also offer, at extra cost, the following additional benefits:
Accidental Damage Cover such as spilling on your carpet, banging a nail through a pipe, putting a foot through the ceiling while in the loft or malicious damage by your tenants.
Legal Expenses Cover to provide for irrecoverable costs and fees to pursue or defend claims involving breach of tenancy agreement.
Rent Guarantee Cover to provide for unpaid rent until vacant possession is gained.
Eviction of Squatters to negotiate for your legal rights to evict anyone who is not your tenant or ex-tenant from your property and who has not got your permission to be there.
We can recommend the most suitable policy for you, that is not only competitive, but also meets your individual needs so providing you with the cover you require at a price that is affordable.
As we will be paid by the providers we do not need to charge you for our professional advice and help.