Landlord’s insurance for buildings and contents typically encompasses standard coverage for:

Standard Coverage

• Property Damage: This includes damage from fire, storms, floods, falling trees, theft, malicious acts, or vandalism.
• Loss of Rent/Alternative Accommodation: Compensation for loss of rent or the cost of providing alternative housing for tenants after insured damage.
• Legal Liability: Coverage for injuries or property damage caused to others as the building owner.
• Home Emergency Cover: Support for emergency call-outs and repairs.
  *Note: Content-only coverage is available only when the building’s insurance is with another provider, such as in leasehold flats.

Optional Coverage

• Accidental and Malicious Damage by Tenants: Protection against tenant-caused damage, like drilling through pipes or damaging the property intentionally.
• Contents Damage: Coverage for accidental spills on carpets or intentional damage to contents by tenants.
• Legal Expenses, Rent Guarantee, and Eviction: Insurance for costs associated with legal actions over tenancy breaches or unpaid rent.
  *It’s important to recognize that landlord’s insurance is tailored for specific, unforeseen incidents and won’t cover everything, such as general wear and tear or gradual damage. Each claim carries an excess fee.

Consultation with Insurance Experts

We encourage landlords to consult with our insurance experts for personalized advice and to ensure they fully understand the policy details before making a decision. Our dedicated team is eager to assist and guide you through the process.