Residential Lettings Insurance

Residential Lettings InsuranceResidential landlord insurance is a comprehensive insurance policy offered at extremely competitive rates. Our products are underwritten by leading UK insurers.

Landlord buildings and contents

Our residential let product is simple to use and highly competitive. Quotations available for properties up to £100,000,000 sum insured any one location.  All types of tenant occupancy accepted such as:-

All types of tenant occupancy accepted such as:-

  • Owner Occupied
  • Employed/Self Employed
  • Retired Persons
  • Holiday Home
  • Students
  • Unemployed Tenant - Independent Means
  • Unemployed Tenant - Housing Benefit/DSS/Housing Association
  • Asylum Seekers
  • Unoccupied
  • Multiple Types of Tenants

Policy benefits

Our landlord insurance policy covers all the standard perils as well as providing the following cover for residential buy to let properties of all sizes throughout the UK:

  • Cover for houses, bungalows and flats
  • Commercial and residential combined
  • Loss of rent cover is up to 20% of the buildings sum insured
  • Property owner's liability is up to £5,000,000
  • Multi location policies available
  • There is also a wide range of standard cover included such as Loss of Metered Water and Trace & Access cover.
  • Malicious damage by tenants up to £5,000 cover
  • Wider perils on residential unoccupied

Unoccupied Residential Property – For Sale, Modernisation, Probate, Awaiting Tenant

  • Buildings up to £500,000 re-build (higher sums on referral)
  • Full Perils cover to Buildings including Subsidence (without the need for a report)
  • Pro-Rata Refunds with no back end cancellation fee
  • 14 Day Property Inspections
  • Heating requirement at 10 degrees between 01/11 & 31/3 or drain down system / open loft hatch
  • No Minimum Security
  • £5000 Trace & Access
  • £5 Million Liability as Home Owner
  • £5 Million Liability to Domestic Employees
  • Non-Standard Construction types
  • £250.00 Standard Excess including Escape of Water Claims

Residential Let Property Types

  • Buildings up to £1 Million (higher sums on referral)
  • £5 Million Property Owners Liability Cover
  • £5 Million Employee Liability Cover
  • £5000 Trace and Access Cover
  • 20% Loss of Rent or Alternate Accommodation Costs
  • 90 Days Occupancy Included
  • Contents only available for Landlords
  • Professional Let
  • Military Let
  • Student Lets – with single or multiple tenancy agreements
  • DSS – Including private tenancy agreements & council led arrangements, Housing Association and HMO
  • Management Company Risks
  • Blocks of Flats or Property conversions
  • Portfolio of Let Property including mixed tenant types
  • Non-Standard Construction types
  • £100.00 Excess including Escape of Water

Leisure Risks

  • Buildings up to £1 Million (higher sums on Referral)
  • Contents up to £50K
  • Properties in England & Wales
  • Holiday Homes for Commercial Let or Family & Friends
  • Holiday Flats
  • Second Homes or Second Home Flats
  • Bed & Breakfast Risks
  • Main Residence with Lodging or B & B or Annex Letting
  • Non-Standard Risks
  • Contents Only available
  • £50.00 Excess in most cases including Escape of Water

Main Residence

  • Buildings up to £1 Million (higher sums on Referral)
  • Contents Up to £50K
  • Persons working from Home
  • Elements of B & B or Lodging
  • Property with Holiday Annex or forms of Letting
  • Non-Standard Construction types
  • Previous Claims History
  • Subsidence or Tree Root Damage Considered
  • Cover excluding Flood
  • £50.00 Excess in Most cases

Non-Standard Risk Types

  • Persons with Criminal Convictions
  • Persons made Bankrupt
  • Adverse Claims History
  • Property with a history of Subsidence
  • Property with a history of Tree Root Damage
  • Property not meeting security requirements
  • Listed Buildings
  • 100% Wood
  • 100% Flat or Felt Roof
  • Non-Standard Construction Types

If you are looking for a competitive insurance quote on ANY residential buy to let property, quote and buy online or give us a call on 01733 889600 and our UK based team will do our best to provide you with a suitable landlord insurance policy at extremely competitive rates.

Please note that the above information provides a summary only. For full policy terms and conditions please see the policy wording document. Terms & Conditions should be fully read and understood prior to taking out the policy.

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