Landlords house insurance | Insurance Advice | Fosters Financial
landlords house insurance

Landlords house insurance

House insurance for landlords

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What is landlord insurance?

Landlords house insurance protects the structure of your property from events such as fire, flooding, and subsidence. But unlike a standard home insurance policy, it offers enhanced cover which could come in handy when letting to tenants.

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What does landlords insurance cover?

The best landlord house insurance policies will not only protect your property from risks such as fire and storm damage. But also, any accidental or malicious damage to your property’s contents or loss of income, if your property is unoccupied for a certain amount of time. Landlords house insurance essentially gives you the peace of mind you need should something go wrong.

Do landlords need insurance?

Whilst house insurance for landlords is not legally required, a standard buildings and contents insurance policy will probably not give you the cover you need. If you need to make a claim, your insurer may therefore refuse to pay out. If you need a buy to let mortgage to purchase your new rental property, some lenders may also request that you have landlord house insurance in place as a stipulation of the mortgage.

Multiple property landlord insurance

If you have multiple investment properties, it is possible to insure them all under the one policy. Adding a new property to an existing landlord house insurance policy, can however cause the price of your policy to change. It is therefore important to check that you have the best deal for your needs, which our insurance brokers can gladly assist you in.

Landlord insurance advice

When comparing landlord house insurance, it is essential that you look for the right type of cover, as opposed to the cheapest deal.

To help ensure that your investment is protected, our insurance brokers will take the time to understand your budget and requirements, and then search the market to find the best landlords house insurance for your needs. If you are happy with the recommended cover, they will take care of everything for you, including all the necessary form filling.

Interested in obtaining a free landlord house insurance quote? Get in touch and speak to one of our insurance brokers!

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