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Frequently Asked Questions - Landlord Insurance


If you find that your question is not answered below, please don't hesitate to contact us direct by using the number at the top of this page, by submitting an enquiry form on the Contact Us page, or by getting us to call you via our 'call back' option.

Landlord Insurance FAQs

Why do I need landlord insurance?

Landlord insurance, also known as buy to let insurance is essential for landlords to protect their investment - their property portfolio. With the correct buildings & landlord insurance policy, you can relax knowing your house is in safe hands.

Standard home cover is generally unsuitable to protect you against the different risks presented by rental property. Proving a wider range of cover, specialist buy to let insurance is essential to safeguard the long term future of your property and your business.

 

How do I get a landlord insurance policy?

Constructaquote.com’s online quote comparison facility means that you only have to enter your details once and our panel of insurers will provide competitive landlord insurance quotes for you to select from.

 

Does home insurance differ from landlord insurance?

Yes, a standard home insurance policy is different from specialist property to let insurance.

Landlord insurance is specifically designed for property that is let to provide an additional income and is designed accordingly. Within your landlord insurance quote is cover for landlord contents and liability (which would not feature in a home insurance policy). It is essential that your liability to the tenants within your rental properties is covered.

 

Can I insure more than one property with a Constructaquote.com landlord insurance policy?

Yes, our landlord insurance quotes allow you to insure multiple buy to let properties thus saving you time and effort.

 

Can I purchase landlord insurance online?

Using Constructaquote.com’s easy and intuitive quote process allows you to buy landlord insurance online in minutes.

 

Do I have to arrange landlords contents insurance if I let my properties on a part-furnished basis (e.g. with carpets, curtains / blinds and domestic appliances)?

No, such items are automatically included within the definition of 'buildings' in our landlords policies and there is no need to arrange separate landlords contents insurance in these circumstances.

 

What is public liability insurance?

Public liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by any other person, other than employees, or loss of or damage to their property caused by a third party.

 

What is employers liability insurance?

Employers liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by any employee in the course of their employment.

 

How do I know if I need employers liability insurance?

Every business employing staff is required by law to take out employers liability cover. This includes sub-contractors, temporary workers, and trainees. Employers liability cover is mandatory if you are a limited company.