Insurance - for Landlords
As appointed agents for HomeLet
we are able to offer a variety of insurance policies for both landlords
and tenants, including the following -
Buildings Insurance
Covers the rebuilding of your property following loss or damage caused
by fire, aircraft, smoke, malicious persons (including tenants),
accidental damage to bathroom fixtures & fittings and glass,
lightning, explosion, collision or impact, falling trees and
earthquake, theft (by forcible means), subsidence, riot/civil
commotion, storm, flood, escape of water or oil leakage and loss of
rent up to 20% of the sum insured following damage. Also includes
property owner's liability.
Limited Contents Cover
Where the property is let unfurnished limited contents cover is
available; this provides up to £5000 cover for the following
items: Carpets, Curtains, Sun Blinds, Light Fixtures &
Fittings, and Kitchen White Goods. Cover is on a new for old basis.
Also includes landlord's liability.
Contents Insurance
Cover on a new for old basis for loss or damage caused by fire,
aircraft, smoke, malicious persons, lightning, explosion, impact, theft
(by forcible means), subsidence, riot/civil commotion, storm, flood,
escape of water or oil leakage, breakage of mirrors or glass in
furniture, replacement of locks following theft of keys, and loss of
rent up to 20% of the sum insured following damage. Also includes
landlord's liability.
Legal Expenses
You may be unable to collect the rent, your tenants may damage or
remove your personal possessions, or they may cause a nuisance to your
neighbours. All these problems can be resolved by legal action but this
is expensive. This cover includes all of your legal expenses up to
£50,000. There is no policy excess to pay.
Rent guarantee
This policy provides total peace of mind for landlords. Cover includes
the rent you are expecting from your property until vacant possession
is obtained for up to 12 months (excluding the first month's lost
rent). Additionally, cover includes 50% of the rent for up to 3 month's
after possession is obtained whilst a new tenant is found. All related
legal expenses are included.
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