Landlords Buildings and Contents Insurance |
Our residential landlords insurance policy provides buildings, contents (optional) and loss of rent protection for properties let to individuals, families, students, asylum seekers, unoccupied properties awaiting an acceptable tenant, pending sale or undergoing renovation and DSS tenants, who currently receive unemployment benefit, housing benefit or disability benefit. We also cater for DSS Referrals (where the tenancy agreement is other than between the landlord and tenant).
To view our policy summary of cover please click on the following link:
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 Policy Summary of Cover |
| This summary does not contain the full terms, conditions, exclusions and warranties applicable to and governing the insurance contract with you. These are set out in the full policy wording, which can be found by clicking the following link: |
| Policy Wording |
These documents are also applicable for portfolio landlords.
If you require information about our landlords contents only policy please visit the content only cover page
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Additional optional covers |
In addition to your landlord’s buildings and contents (optional) insurance, your policy can now be further extended with the purchase of our optional products Residential Emergency Assistance, Landlords Legal Expenses and Rent Guarantee insurance. These optional extras are only available where cover is arranged over the phone.
Residential Emergency Assistance
(not available if any section of the property is unoccupied)
- Cover up to £500.00 for emergency repairs (including call out charges, material and VAT)
- No limit on the number of claims and no excess to pay. Cover includes the following:
- Failure or Damage to Plumbing & Drainage
- Failure or Breakdown of the Electricity Supply
- Failure or Breakdown of the Primary Heating System
- Lost Keys
- Failure or damage to Locks, Doors or Windows rendering the home insecure
- The product is underwritten by Fortis Insurance Ltd
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EA Summary of Cover | EA Policy Wording
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Landlords Legal Expenses Insurance
(not available if any tenants are Asylum Seekers)
- Cover up to £25,000 and no excess to pay
- Cover for Breach of Tenancy Agreement
- Cover for Pursuit of Rent Arrears
- Cover to evict the Tenant(s) or anyone in the property
- Landlord Legal Defence cover against both civil & criminal proceedings
- The product is underwritten by Fortis Insurance Ltd
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LE Summary of Cover | LE Policy Wording
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Landlords Legal Expenses & Rent Guarantee Insurance
Everything as stated under Landlords Legal Expenses, also including:
- Genuine Limit of Indemnity of £30,000 in unpaid rents.
- Very prompt interim payment pledge - in landlord's account within 7 days of the end of each unpaid month's rental.
- Highly competitive rate based on rent per calendar month.
- Priced per property not per tenant.
- Annual policy not requiring notification of tenant/change of tenant details
- Truly first class legal advice helpline operated 24/365 by UK's 4th largest law firm, Irwin Mitchell
- The product is underwritten by Fortis Insurance Ltd
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RG Summary of Cover | RG Policy Wording
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| Our optional covers are available to both new and existing customers. To take advantage of these please contact us. |
Registered Office: Unit 4, Castlegate Court, Castlegate Way, Dudley, DY1 4RD, Company No: 03862468