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If you have property that you rent out or a buy to let mortgage you will need to have landlord insurance. Landlord insurance is similar to conventional home insurance but designed for the needs of todays landlords.

 Like a house insurance policy, landlord insurance falls into two main sections;

  • Buildings Insurance: covers the property.
  • Contents Insurance: covers the landlord’s contents.

Like a conventional home insurance policy cover is provided against the standard insurance perils, fire, storm and theft etc, with options to include accidental damage, either for buildings, contents or both.

There are also some optional extra covers that may be available;

  • Legal Expenses Insurance: covers costs of repossession or contract disputes and/ or other similar eventualities.
  • Rent Guarantee Insurance: covers loss of rent should the tenant not pay.
  • Home Emergency Cover.

Home Insurance

 Your home and its contents are likely to be the most valuable things you own, not just in terms of the financial cost. Find a great deal to protect your most valuable asset.

Click here to access our quotation engine for a personalised quote for your home and contents insurance.

Building insurance When you buy a freehold property funded by a mortgage, you are obliged to take out buildings insurance. This cover pays for the cost of rebuild, should your property be burnt to the ground or need shoring up if it suffers subsidence, for example. It is also advisable to insure the contents of your home.

No lender will agree to give you a mortgage without building insurance.