Landlord house Insurance

You may be wondering what the difference is between landlord house insurance and standard home insurance. As a broker we can talk you through the exact cover you require for your property and advise you on which policy best suits your needs based on the cover provided, the premium and the excess. Generally speaking, the higher the sums insured are for your property the higher the premium is.

Landlords house insurance will usually include additional cover not found in standard policies such as property owners liability or loss of rent following an insured peril. Property owners liability insurance is generally to provide cover against things like the tenant injuring themselves within the property and holding you liable for their injuries or other similar circumstances.

You can arrange landlord house insurance for the buildings, contents, property owners liability, legal costs and such like. When arranging a policy it is important to check that it fully meets your requirements and includes any cover you feel you need.

When insuring the building of your house you will need to know the re-instatement value, this is the cost of rebuilding the house from scratch including any associated costs such as site clearance. This figure will usually be found on any professional buildings survey which either yourself or your mortgage provider may have had carried out.