Cover options.
We understand that insurance needs vary from landlord to landlord, and are able to offer you a range of options to ensure that you have the level of cover to meet your individual circumstances and budget.
Landlord Liability Insurance
Property Owners Liability Insurance covers the owner of a building or land for their legal liability for injury to third parties or their property. £2m as standard with the option to upgrade to higher limits if required.
Employers’ Liability Insurance
Optional cover - you may be required to have this cover by law if your business employs staff (for example cleaners, gardeners, caretakers or tradesmen carrying out minor maintenance). £10m as standard.
Landlord Buildings Insurance
‘All risks’ material loss or damage to buildings and / or contents. No maximum limit to sum insured.
Loss of Rent
We will pay up to 20% of the Buildings Sum Insured for loss of rent if the property becomes unoccupied or partly unoccupied and cannot be let, following an insured event. Higher limits available if required.
Landlord Contents Insurance
Cover for carpets, appliances, household goods, furnishings and furnishings.
Contents only cover
Where you are not responsible for insuring the buildings, but still require contents insurance
Accidental Damage insurance
Covers repairs to your property caused by accidental damage by tenants. As standard, we include cover for accidental breakage of fixed glass, sanitary fixtures and accidental damage to underground services.
Full Accidental Damage Cover
You can upgrade your buildings and contents cover to include any accidental damage or loss in the property.
Terrorism Cover
Optional cover available on request. Protection against damage to your premises from acts of terrorism.
Legal Cover
We automatically include legal protection to recover rent, help eviction of squatters, or defend legal rights up to a maximum of £25,000. You can upgrade this cover to provide higher limits and wider cover.
Subsidence
Cover against damage to your premises due to subsidence, ground heave or landslip.
Unoccupied property
As standard, we will cover your property when unoccupied for up to 80 days, for when your property is most vulnerable.
Malicious damage by tenants
Provided as standard, cover for damage to your property caused by persons lawfully on the premises.
Policy documents.
IGI policy wording
IGI summary of cover
RSA policy wording
RSA summary of cover
