About
Buy to let owners landlord insurance
Buy to let property insurance is a combination of home
insurance covers put together in a package especially
for landlords who have bought a house to earn income
from rent and equity.
All landlords should have property insurance to protect
their investment from risks. Despite whether you are
a landlord with your first buy to let property or you
have built a substantial property portfolio you must
protect both your capital investment and your rent income.
Buy to Let Insurance Cover
Key Features
No Claims Discounts when you purchase online!
Buildings Insurance
The buy to let property itself is insured against most
risks such as flood and fire for the cost or repair
or rebuilding. Subsidence and terrorism options available.
The premium is predominately calculated from your postcode
and the rebuilding cost of the buy to let property,
to the value that you declare as your buildings sum
insured.
Contents
As a landlord you are solely responsible for insuring
against risks to your buildings. However if your buy
to let property is let furnished then you should also
consider insuring the contents which are owned by you,
for example, damaged to items such as carpets, sofas,
tables, chairs, beds and pictures etc.
Many buy to let insurance companies also insure communal
contents which will cover contents such as those names
above which are situated in communal areas in blocks
of flats, HMO's, or properties with many tenants.
Tenants are responsible for insuring their own contents
and effects and it is your responsibility as a landlord
to make them aware of this. Tenants
contents insurance is available for purchase here.
Buy to let landlord liability and Legal Protection
As a landlord you are responsible for the safety of
your tenants with regard to the buy to let property.
In the event of a tenant becoming injured and making
a claim against you for damages, landlord legal protection
covers you against all the legal costs of being prosecuted.
The cover will also protect you against any damages
that may be awarded against you.
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