LANDLORD INSURANCE - COMPARE LANDLORD INSURANCE

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Regular home insurance does not adequately cover a landlord, who rents out their property to tenants. Because the landlord is taking on the risk that they may not be able to receive income on the property, it is wise to ensure that if that 'worst-case scenario' does take place, they have a good insurance policy to deal with the financial fallout.

For instance, if a dispute arises between the tenant and the landlord, or the building is left vacant for a period of time, or becomes damaged and is therefore uninhabitable – all these aspects can be included in a good landlord insurance policy.

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Legal expenses cover, liabilities, accidental damage, building cover, landlord contents cover – there are these and many more features to consider.

Use the chart below to weigh up the main advantages and disadvantages of each policy and remember to consider every aspect. How will property losses be settled? How can premiums be paid?

Once you have found a suitable service simply click on 'Apply' to be guided through the next steps.

Landlord Insurance Information
PROVIDERTYPELANDLORD
INFO		POLICYCOSTEXCESSCOVERMETHODSSUITABLE
FOR		APPLY

Simple Landlord Insurance
Simple Landlord Insurance

ProviderComprehensive range of properties - all sizes, ages, conditions and locations.Simple Landlord InsuranceFrom £9 a monthVariesType

Cover Type

Landlord Buildings Insurance and Buy to Let Insurance


Level

Cover Level

Standard


Detail

Cover Detail

1. Up to £2 million Buildings Insurance Cover
2. Up to £75,000 Contents Cover
3. Landlords Legal Liability with £2 million cover as standard
4. Free Accidental Damage Cover on Buildings Insurance
5. Loss of Rent Cover
6. Alternative Accommodation Cover
7. Legal & Professional Fees Cover
8. Home Emergency Cover

OnlineIf you are renting out your propertySimple Landlord Insurance
Landlord Insurance is perfect for you if you are renting out your property. If you are looking for a better deal and want to keep it simple then apply for a quote online in a few minutes. This landlord insurance solution provides you with 24/7 access to managing your policy online.
DETAIL INFORMATION >>		Restrictions

Restrictions

Exclusions apply - see policy wording for details.


Services

Services

Free Accidental Damage Cover on buildings


Advantages

Advantages

1. Save up to 40%!
2. No broker fees!
3. Free Accidental Damage cover included with all buildings insurance!
4. Manage your policy online 24/7.
5. offer cover for a wide range of tenants types, some of which are often declined by other landlords insurance providers.


Disadvantages

Disadvantages

1. Be sure to read policy document for exclusions that may apply.

Direct Line Landlord Insurance
Direct Line Landlord Insurance

ProviderLandlords, buy-to-let owners or management companiesDirect Line Landlord InsuranceAvailable at £16.55 per monthFrom £100Type

Cover Type

Buildings cover as well as public and property owners liability


Level

Cover Level

Standard


Detail

Cover Detail

Standard Cover
 
Buildings: cover against damage to your building including fixed glass and landlord's fittings, arising from perils such as fire, flood and theft.

Accidental Damage to your buildings: this provides cover for damage caused:

to underground drains, pipes and cables
to fixed glass and sanitary ware
to the structure as a result of an accident e.g. drilling through power cables or water pipes
(please note: this policy does not cover theft or malicious damage by tenants and persons lawfully on the premises)

Public liability: up to £2m of cover for compensation payable arising from injury to third parties or damage to their property caused by you in the course of your business and for which you are held legally liable. You can increase the limit of cover if required.
 
Optional Covers

Landlord's Contents: cover for fixtures and fittings, furniture, furnishings, utensils and domestic appliances belonging to you arising from perils such as fire, flood and theft. Also, if you take out Landlord's Contents Cover, you automatically get Accidental Damage to Contents as standard. This covers you for:
accidental damage to furniture, furnishings, utensils and domestic appliances belonging to you as the Landlord
breakages to mirrors and glass
day-to-day accidents such as paint or wine spillages
(please note: this policy does not cover theft or malicious damage by tenants and persons lawfully on the premises)

Rent Receivable: cover against loss of rental income caused by damage to your property, plus reasonable additional expenses to mitigate the effects of the damage you suffered. Cover includes provision of alternative accommodation and up to £10,000 and book debt cover.

Employers' liability: up to £10m of cover against compensation claims by your employees injured in the course of employment by you where you are held legally liable, as well as expenses and legal costs arising from such an injury.

Personal Accident: benefits are payable in the event of the death or temporary or permanent disablement of specified employees arising from an accident.

Equipment Breakdown: cover against direct physical damage to equipment resulting from breakdown, building collapse or events such as boiler explosions.

Interested? Why not get a Landlord Insurance quote!

Terrorism Insurance: if you would like to add cover against damage to property and loss of income as a result of an act of terrorism to your Residential Landlord Insurance please call us on 0845 301 4827.

 

Online, TelFor landlords, buy-to-let owners or management companiesDirect Line Landlord Insurance
Direct Line Landlord Insurance is perfect for landlords, buy-to-let owners or management companies who own or manage residential properties and are responsible for insuring the building or freehold with tenancy agreements of six months or more. They offer a range of protection including buildings cover as well as public and property owners’ liability up to £2m.
DETAIL INFORMATION >>		Restrictions

Restrictions

18s and over.


Services

Services

As well as increasing many of the above limits you can extend cover to include: Landlords contents insurance, including those contained within communal areas Loss of rent following an insured event Employers' liability


Advantages

Advantages

1. A range of protection including buildings cover as well as public and property owners liability up to £2m
2. Equipment breakdown as standard (for example unforeseen breakdown of boilers)
3. Alternative accommodation costs following an insured event, for example a flood or fire (up to 20% of the rebuild value of your property)
4. Glass and locks replacement
5. Accidental damage to your property


Disadvantages

Disadvantages

1. Exclusions and limitations apply. See Policy Wording for details.

Quoteline Direct
Quoteline Direct

BrokerProperties let to all sorts of tenantsQuoteline Direct Landlord InsuranceAvailable at £61.13 per month£50 - £1000Type

Cover Type

Building, Contents and Buildings and Contents


Level

Cover Level

Standard


Detail

Cover Detail

Varies according to policy

OnlineIf you would like to protect your investmentsQuoteline Direct
Quoteline Direct is an insurance broker with a difference who offer competitive packages which you will not find anywhere else. They negotiate directly with the biggest names in the business and guarantee that if their quote isn't at least 10% cheaper than your renewal call them and they guarantee to make it 10% cheaper.
DETAIL INFORMATION >>		Restrictions

Restrictions

Ask on application


Services

Services

1. 24/7, 365 day Home Emergency Assistance covering problems such as failures to the Electrical system, heating or hot water supply, plumbing and drainage problems, gutters and downpipes, security and glazing, pest contamination. For less than £25 per year and up to £1,000 per claim for parts and labour
2. Landlord's Legal Expenses providing up to £25,000 cover for incidents such as Tenant eviction proceedings, property disputes, defence against criminal prosecutions
3. Rent guarantee can also be added to the Legal Expenses policy providing cover for rent arrears where you are evicting the Tenant


Advantages

Advantages

1. At least 10% cheaper guaranteed - if our quote isn't at least 10% cheaper than your renewal call us and we'll guarantee to make it 10% cheaper
2. Cover provided for the damage caused by the tracing of leaks
3. You decide exactly what type of policy you need; whether it's buildings insurance, contents insurance or a combined policy
4. Access to a wide range of specialist policies
5. A number of our insurers award sizeable discounts for claim free years; great news for first-time landlords
6. There's no paperwork to fill in; which means that we can arrange instant cover
7. Choose from a variety of payment schemes, including Direct Debit (details available on request)
8. We can cater for properties let to all sorts of tenants e.g. professionals, students, DSS tenants. Also properties let direct to universities and companies


Disadvantages

Disadvantages

1. If you make a claim you will have to pay an excess
2. Fees and charges are not disclosed until you have made an application

Towergate Landlord Insurance
Towergate Landlord Insurance

ProviderYou must be 18 or over and UK residentTowergate Landlord InsuranceVaries on policy chosenVaries on policy chosenType

Cover Type

Landlord Insurance


Level

Cover Level

Buildings, Contents


Detail

Cover Detail

1. Cover for properties let to professionals, students and DSS, families or single persons
2. Cover for loss of rent due to an insured risk, such as fire
3. Cover for alternative accommodation if the property becomes uninhabitable
4. Cover for periods of vacancy e.g. between tenancy agreements
5. Option to insure against accidental damage caused by tenants
6. Cover if let out privately or through a letting agent

Online, TelLandlord InsuranceTowergate Landlord Insurance
Towergate Insurance specialises in landlords insurance, also known as buy to let insurance and let property insurance. We're committed to offering great service and generous landlords insurance cover to individuals renting out their property or properties either personally or via a letting agency. Whether you have just one house to let or several, we can help. We provide extensive building and contents cover for single properties and portfolios.
DETAIL INFORMATION >>		Restrictions

Restrictions

You must be 18 or over and UK resident


Services

Services

Landlord Insurance


Advantages

Advantages

1. Cover for properties let to professionals and students and DSS
2. Cover can be extended to include accidental damage
3. Cover if let out privately or through a letting agent
4. Up to 20% no claims discount
5. Includes legal liability cover


Disadvantages

Disadvantages

1. The first £250 for escape of water claims, £1,000 for subsidence/heave/landslip claims and £100 excess for all other claims. Excess amounts may vary according to different schemes.
2. If your property is not professionally managed then theft will be excluded unless the loss or damage involves forcible entry to or exit from the property
3. Malicious damage caused by your tenants may be excluded from your policy
4. After 30 days of unoccupancy, your cover may be restricted (however, cover will still be in place)
5. Storm damage to fences, gates or hedges
6. Loss or damage caused by wear and tear
7. The first £250 for escape of water claims, £1,000 form subsidence/heave/landslip claims and £50 for all other claims

Endsleigh Landlord Insurance
Endsleigh Landlord Insurance

BrokerBuy-to-let properties, including single flats, flats in blocks, commercial property, shared houses and family housesEndsleigh Landlord InsuranceAvailable at £25.41 per month£250 - £1000Type

Cover Type

Buildings or Content, Building and Contents


Level

Cover Level

Standard


Detail

Cover Detail

Cover for buildings and contents, or both.
We cover malicious damage by tenants or guests up to £25,000.
We search a panel of selected top landlord insurers to find you our best policy, at the lowest price.
We also provide comprehensive legal and home emergency cover on your buildings or contents policy

OnlineLimit your exposure to risk and therefore, protects your financial wellbeing. Endsleigh Landlord Insurance
This landlord’s policy has been developed to include excellent features such as a 'contents only' option and optional home emergency expenses. Endsleigh now provide cover for tens of thousands of buy to let properties. We insure all types of buy to let properties such as single flats, flats in blocks, commercial property, shared houses and family house lets. See how much you could save with Endsleigh – get a quote now.
DETAIL INFORMATION >>		Restrictions

Restrictions

See website for details


Services

Services

Optional EXTRA home emergency and accidental damage cover


Advantages

Advantages

1. EXTENDED unoccupancy cover for your buildings/ contents for periods of up to 120 days
2. Optional EXTRA home emergency and accidental damage cover
3. LOW excesses


Disadvantages

Disadvantages

1. You will have to pay an excess if you make a claim.
2. Check the policy wording for any exclusions that apply.

Endsleigh Rent Guarantee
Endsleigh Rent Guarantee

BrokerWhether you own a large portfolio of properties or just a single investmentEndsleigh Rent GuaranteeAvailable at £64.60 per monthVariesType

Cover Type

Endsleigh Rent Guarantee


Level

Cover Level

Standard


Detail

Cover Detail

1. Legal Defence Cover paid to defend any legal action taken against you arising from the letting of you property.
2. Legal Prosecution Cover we will pay for you to pursue costs for damage caused to your property.
3. We will pay for action to remove squatters living in your property without permission.

OnlineRental income protectionEndsleigh Rent Guarantee
Endsleigh offers specialist legal expenses and rent guarantee insurance. Make sure your rental income is protected - Endsleigh's policy provides legal defence, legal prosecution and rent arrears cover. Choose the most appropriate cover for you, with 6 and 12 month policies available.
DETAIL INFORMATION >>		Restrictions

Restrictions

You can only purchase insurance for one property per quotation.


Services

Services

1. Legal Defence Cover paid to defend any legal action taken against you arising from the letting of you property.
2. Legal Prosecution Cover we will pay for you to pursue costs for damage caused to your property.
3. We will pay for action to remove squatters living in your property without permission.


Advantages

Advantages

1. Protection against rent arrears while we handle your repossession claim
2. Action to remove squatters
3. Legal defence cover


Disadvantages

Disadvantages

1. Exclusions apply to all the policies.

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