Landlords Insurance - Landlord Insurance

Welcome to Letprotector – specialists in providing landlords insurance. Letprotector forms part of the Insurance Protector Group, which provide a range of quality, insurance-related products including landlord insurance. Our well-tailored landlords insurance product is designed to meet your needs as a residential property owner in the property rental market by offering both landlords buildings insurance and landlords contents insurance.

Buying a property is likely to be the biggest investment you’ll ever make. Buying a property to let out, or retaining and renting out the property you are moving out of, means you are thinking wisely about financially securing your future.

It therefore goes without saying that protecting your biggest investment is your main priority. There is no doubting the total piece of mind that is acquired when buying a comprehensive insurance policy from the right company at the right price. Purchasing buy to let insurance or landlord insurance for your rental property - that can provide both landlords buildings insurance and landlords contents insurance - is no different.

The risks associated with rental properties are naturally higher than its owner-occupied counterparts. After all, you are probably letting unknown strangers use your home - and even if for financial gain - that in itself can challenge the most experienced of landlords and professional property investors alike.

Landlords insurance is a specialist insurance, which naturally followed in the footsteps of the buy to let property boom. Over recent years, the rising demand in buy to let properties has seen the arrival of more and more landlords property insurance providers, thus pushing down premiums whilst continually improving the cover being provided.

Making sure you have adequate landlords property insurance is paramount. The cover provided by many UK insurers differs, so it is important you choose the landlord insurance product that meets your demands and needs. Searching for the right buy to let insurance policy can often be tedious and time-consuming and as a landlord, you will certainly have enough to think about already. With so many different things to consider, choosing the right product can be confusing and sometimes nigh-on impossible.

At Letprotector, our buy to let insurance product has been tailored to meet your needs as a landlord and we firmly believe we remain one of the UK’s leading suppliers of landlord insurance.

Our landlord insurance products vary and have been tailored to meet the demanding requirements of the modern day investor. Cover can be provided in the form of landlords buildings insurance, landlords contents insurance, as well as covering your legal liabilities as a property owner. Cover automatically includes Loss of Rent protection and can further be extended with value added products such as Emergency Assistance and Legal Expenses cover. In saying this, we genuinely believe our landlords property insurance delivers in both product and service.

Buy to let Insurance

At Letprotector, we were one of the first to recognise and offer buy to let insurance and landlords insurance during the UK property boom. Today, we are still a leading supplier in providing specialist landlords buildings insurance and landlords contents insurance to UK property owners.

The term ‘specialist’ means, unlike other providers, our insurance products are underwritten specifically with you in mind. Our landlords insurance products are tailored exactly to suit the much-needed requirements of our customer base, without cutting corners or any essential levels of insurance cover.

The main advantage of arranging your landlords insurance with Letprotector is that you can obtain an instant buy to let insurance quote, with immediate cover and instant delivery of your documentation – ideal for proof of insurance to satisfy the requirements of mortgage lenders. We also send a hard copy of your landlord insurance policy out by post, at no extra cost to you.

If you don’t like the idea of arranging your buy to let insurance via the internet, we are also just a telephone call away. Our team of landlord insurance advisors will be on hand to guide you through your requirements, whether you are looking for landlords buildings insurance or landlords contents insurance.

To those who are uninitiated, insurance can often be a complex and confusing business. With so many things to consider, unnecessary worry and apprehension are commonplace. Unfortunately buy to let insurance does not buck the trend, however our friendly sales team are on hand to discuss your requirements or simply to offer piece of mind by explaining and answering any queries you may have relating to landlords property insurance cover. 

As part of our service commitment to you, on your authorisation we will fax or email your policy schedule free of charge to your solicitor or mortgage lender. If you are looking to speed up the completion of a mortgage on your property, hanging around for proof of landlords buildings insurance to satisfy the lender can often slow things down and delay funds being released.

The real benefit in choosing Letprotector as your landlords insurance provider is the scope of policy coverage. Our buy to let insurance certificate wording provides insurance cover for a wide range of perils, subject to terms, whether you require landlords buildings insurance and/or landlords contents insurance.

The cover provided by our landlord insurance policies also extends to cover the property in the event of unoccupancy, where the property may be between tenancies.

Landlord Insurance - Landlords Insurance

Cover for our landlords buildings insurance is provided for properties let to a range of different tenancies. At Letprotector, our landlords insurance caters if the property is let to Employed People, Students, Retired, DSS on unemployment benefit, housing or disability benefit & Asylum Seekers. We also provide cover if you let your property via a housing association/local council where the rental agreement is with the DSS and they, not you as landlord, have final control of who lives in the property (known as DSS-Referral).

Landlords buildings insurance cover is normally provided for freehold properties, however we also cater for leasehold properties, such as individual flats within a purpose-built block or converted house (subject to terms). However it is normally the freeholder’s obligation to insure the building. If the property is split into flats and the individual leaseholder’s have come together to form a management company to insure the whole building themselves, this is also acceptable usually providing at least some of the leaseholder’s are then sub-letting their flat’s to tenants. If all of the flats are owner-occupied by the respective leaseholder’s buildings insurance may be available on referral. Our residential landlords insurance is not available if the property is used for business purposes.

Our buy to let insurance cover for buildings is arranged by insuring the property for its rebuilding cost, and not the market value. The rebuilding cost is the total cost to rebuild the structure of the property, including fixtures and fittings, in the event of a complete loss, such as a fire. The rebuilding cost is usually obtained from a surveyors report or lender’s valuation report in order to meet their requirements. The internet is also a good source if finding the rebuilding cost is proving difficult. It is vitally important you obtain the correct figure before taking our landlords property insurance, as any under insurance may lead to complications is paying a claim.

In addition to obtained landlords buildings insurance, landlords contents insurance is normally an optional cover in addition to the buildings. Landlords contents insurance protects any household goods, furnishings and appliances that belong to you against a range of insured perils. It will not include the tenants belongings.

Letprotector also offer a landlords contents insurance policy in isolation, which is designed to cover household furniture, carpets and curtains. This policy is ideal if you own the leasehold to a property such as a flat, where the landlords insurance for buildings has already been arranged by the freeholder of the whole building and subsequently forms part of your monthly maintenance and service fees.