About Landlords Insurance

Cover

Property Damage

Covers your buildings and (if provided under the terms of your tenancy agreement) contents against accidental damage (including theft).

Buildings (but not contents) are covered on a reinstatement basis (i.e. new for old') and subsidence cover is usually included for Buildings.

Rent Receivable (automatically included)

Covers your loss of rent) due to interruption of your business following damage which is insured under the Property Damage section subject to a maximum of 20% of the buildings sum insured.

Public and Products Liability (automatically included)

Covers

(a) your legal liability for accidental injury to any person (other than employees) and/or accidental loss or damage to property; wrongful eviction; trespass or nuisance arising from your business and occurring within the UK during the period of insurance, and

(b) your legal liability for accidental injury, loss or damage arising from the sale, supply etc of goods and products from within the UK and occurring during the period of insurance.

Claims against you must be brought within the UK.

The limit under each section is £2,000,000.

Unoccupied Premises

Cover is restricted to fire, lightning, explosion, earthquake, riot and civil commotion etc, (but not malicious damage), aircraft, storm, flood, escape of water and Subsidence if the Premises are Unoccupied for more than 30 but no more than 60 consecutive days, however:

• If the Premises are unoccupied for more than 60 but no more than 120 consecutive days cover is only provided in respect of Buildings (i.e. no cover applies to the Contents), and
• If the Premises are Unoccupied for more than 120 consecutive days no cover applies

N.B. Where the Premises consist of more than one Self-contained Unit this exclusion only applies to those units that are unoccupied.

Asylum Seekers and DSS Referred Tenants

Contents cover is excluded when any part of the Premises are occupied by Asylum Seekers and/or DSS Referred Tenants. Buildings cover is restricted to fire, lightning, explosion, earthquake, riot and civil commotion etc, (excluding malicious damage), aircraft, storm, flood, escape of water and Subsidence.

Premises Undergoing Renovation

Contents cover is excluded when the Premises are Premises are undergoing renovation.

Buildings cover is restricted to fire, lightning, explosion, earthquake, riot and civil commotion etc, (excluding malicious damage), aircraft, storm, flood, escape of water and Subsidence. N.B.

(a) if the period of Renovation exceeds 120 days no cover applies

(b) where the Premises consist of more than one Self-contained Unit this exclusion only applies to those units that are unoccupied

Landlords Insurance Online Quotation Form