As a landlord, you are responsible for insuring any let properties that you own. The risks associated with let properties are significantly different to owner occupied properties, so you need to make sure that the insurance you carry is completely sufficient.
Your exact requirements may vary depending on the types and number of properties in your portfolio. This is why we try to make our landlord policies as flexible as we can, allowing you to construct the policy most relevant to you. These are some of the key options available to you with a Constructaquote.com landlord policy:
Contents insurance
If you have particularly valuable possessions in your property, such as expensive furniture or fixtures and fittings, it could cost you a lot to replace or repair these if they were to get damaged. Contents cover helps to transfer this risk by insuring your properties’ contents.
Buildings cover
As a landlord, it is unlikely you will be able to supervise your property/properties all of the time. As such, it is important that you have complete peace of mind should an accident arise when you are not there.
Landlords’ buildings insurance covers your property against damage by fire, lightening, explosion, smoke, impact, burst pipes, storm, flood, subsidence and theft – so you can rest assured you will be covered for most eventualities!
Public liability insurance
Public liability insurance would provide cover for any claims being brought against you by a member of the public. If your property or your contents were to damage their property or cause them an injury then public liability would completely cover this.
Employers’ liability insurance
As a landlord Employers’ liability insurance would provide protection against any claims made by employees. This cover is legally required if you have any employees working for you, such as a handy man that carries out maintenance at the properties. If they were to be injured or made ill whilst at work then an employers liability policy would cover costs associated with court proceedings/prosecution.
Please see our Frequently Asked Questions (FAQs) page for further information about our landlord specifc policies.