Landlords Insurance Articles

31 - home insurance for landlords
32 - landlords insurance brokers
33 - landlord insurance review
34 - Landlord protection insurance
35 - Insurance for landlords
36 - Low cost landlord insurance
37 - Explaining Buy to Let and Residential Landlords Insurance
38 - Building insurance for landlords
39 - Contents insurance for landlords
40 - Landlords-liability-insurance.php
41 - house insurance for landlords
42 -  landlords household insurance
43 - Property insurance for landlords
44 - Landlords rental insurance 
45 - Landlords Insurance Information
46 - What is landlords emergency insurance?
47 - Types of boiler insurance for landlords
48 - Insurance for landlords UK
49 - landlords legal insurance
50 - What is insurance for landlords UK
51 - Advantage of landlords insurance
52 - Student landlord insurance
53 - Landlord insurance
54 - Landlord legal insurance
55 - Commercial Buildings Insurance Cover
56 - Commercial Property Insurance quote
57 - Commercial Buildings Insurance policy
58 - Commercial Property Insurance Quotes
59 - What is landlords boiler insurance?


In a recent study taken out on accommodation owned by landlords and property investors across the UK, an alarming amount were found to have insufficient insurance cover, causing a number of landlords and investors to place their investments at great risk. What was more worrying was that a high proportion did not fully understand the full value of their property and although might have had an insurance policy in place there was a strong chance that it wasn’t sufficient enough.

Especially so for furnished property owners, who did not properly evaluate, the cost of replacing all the many fixtures and fittings, utilities, expensive items of furniture (if applicable) and much more. In addition to the building insurance it is important to understand the full value of any possessions that may be located within a property that you lease or rent out to others, taking into account that the majority of tenants are complete strangers that you have no background knowledge about.

There are many items, both aesthetic and structural that are often forgotten when arranging landlords insurance policies. For example purposes take an expensive kitchen, if you don’t take the necessary steps to properly evaluate the cost of replacing it and modifications such as floorings, workout equipment such as indoor gym equipment and rare and often valuable items such as luxury goods, you could face losing a tremendous amount, that wouldn’t be covered by your existing insurance policy.

Believe it or not the list of luxury goods is almost never ending, taking into account treasured items such as vintage wines and expensive bottles of spirits, liquors and perishable items such as cigars and a plethora of other high priced items. In many cases these are not taken into account or are not covered by a policy, meaning that if there was a break in or robbery and these items were taken, there is a large chance you would not be entitled to the full compensatory value of these personal possessions and risk losing out immensely.

Not just landlords are at risk here, the reports state that home owners are far more at risk and are proven to have more chance of having additional items such as those listed above. Taking the time to properly create a full inventory, and then discussing the requirements with your landlords insurance provider are the first important steps that any property owner should undertake.