Landlord insurance provides greater cover than standard home insurance. From the moment you let your property out to tenants, standard home insurance is no longer valid. It’s vital that you find not only the least expensive insurance, but also the right landlord insurance. There are different forms of cover available with Landlord insurance;

Building insurance – Protects the bricks and mortar of the property.

Content insurance – Protects the contents of your house such as; beds, carpets, sofas, TVs and more from theft or damage. It also covers intentional or accidental damage to your property by a tenant.

Liability insurance – Offers protection from tenants who attempt to sue you for an accident that occurred on your property that resulted in injury or death.

Legal expenses insurance – Recovers rent which your tenant has failed to pay, by covering your legal expenses in the event you have to take them to court for non payment.

Home emergency cover – Covers the cost of repairs in an emergency situation such as a gas pipe leak, a burst pipe, pest infestation and so on. It ensures immediate help throughout the year to fix an emergency.

Employer’s liability – Covers any injuries as a result of your negligence to any of employees working on your property.

Property owner’s liability – Covers any injuries to tenants or members of the public on your property.

Unoccupied property cover – Protects your rental income if a tenant is unable to pay the rent, or your property is unoccupied for a long period of time. It also covers any loss of income if your property is damaged and the tenants have had to vacate.