Landlords insurance typically includes coverage for:

• Loss or damage caused by fire, storms, floods, falling trees, theft, malicious acts, or vandalism.
• Compensation for lost rent or the cost of providing alternative accommodation to tenants following damage from a covered event.
• Legal liability as the owner of the building, for causing injury to others or for damage to their property.
• Home emergency cover, which provides for emergency call-outs and repairs.

Note: Coverage for contents is only available if the building insurance is with another provider, such as in the case of a leasehold flat.

Additional Coverage Options for Landlords Insurance: You can customize your insurance policy with optional coverages including:

• Buildings accidental damage and malicious damage by tenants, covering incidents like accidentally driving a nail through a pipe or stepping through the ceiling while in the loft, including intentional damage by tenants.
• Contents accidental damage and malicious damage by tenants, protecting against issues like spills on carpets and deliberate damage by tenants.
• Legal expenses, rent guarantee, and eviction of squatters cover to insure against unrecoverable costs and fees related to disputes over breach of tenancy agreement and unpaid rent.

Please be aware that landlords insurance is intended to protect against specific unexpected events and does not cover all scenarios, such as general wear and tear or gradual damage over time. Each claim is also subject to an excess fee.

Consultation with Insurance Experts:

We encourage you to speak with our insurance experts to ask any questions before finalizing your insurance plans or if you need assistance with our services. Our dedicated team is ready to provide guidance over the phone.