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Why Landlord Insurance?

Landlord policies can have many different aspects beyond just cover for buildings and contents, so making sure you have the correct one is important. Taking the time to think about what you do and don’t need can save you a lot of stress and money in the future.

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Covering Your Property

Although you may have already taken out buildings cover when you bought the property, this insurance will probably need to be taken out again when you decide to let. Many insurers will refuse to pay out on a buildings cover claim if you haven’t told them about the property being rented, so it’s important to keep your insurers updated if your circumstances change.

If you’re letting a furnished property, you may want to cover your possessions from damage. After all, tenants can be much more careless with carpets and sofas that they don’t own themselves. However, you do not need to insure your tenants’ belongings – remind them that this is their own responsibility.

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Loss of Rent Cover

If your tenant cannot pay their rent or if you cannot collect rent because your property has been damaged and is being repaired, loss of rent cover can save you from losing money. It can also be important if your mortgage repayments are dependent on having rent coming in.

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Home Emergency Cover

Tenants can often have high expectations when it comes to having broken boilers or radiators fixed. Home emergency cover can insure you against the cost of getting these services in order quickly. Different policies cover different emergencies, but matters such as lost keys or vermin infestations can also usually be added.