Buildings Insurance for Landlords

Landlord's buildings insurance will protect the structure of your property against all major perils. Normally this includes fire, flood, earthquake, explosion, and storm, escape of water, impact, theft, malicious damage and loss of rent. As importantly landlords buildings insurance can cover your public liability risk should a third party be injured on your property.

To check out what our Zurich landlords insurance policy covers please click here to see a sample policy document

Contents Insurance for Landlords

Landlord's contents insurance covers the possessions of the landlord whilst in a property which is let to a tenant. Kitchens, bathrooms and radiators are generally covered under a buildings policy. Occasionally with some landlords insurance block policies these can be excluded. Fitted carpets & laminate flooring are covered under the buildings section of our Zurich landlord's insurance policy, if the contents cover you require is limited to these items, you may wish to get a landlords buildings quote from Zurich. If you require cover for furnishings and possessions in the property then a landlord's contents policy is required.

Cover can be extended to include accidental damage on a new for old basis.

Landlords Legal Expenses Insurance

Landlord's legal expenses insurance can cover a number of situations such as recovery of rent arrears, or recovering costs associated with malicious damage or neglect by tenant. In addition it can be used to cover legal expenses involved in evicting problem tenants or occupants illegally on the property.

Rent Guarantee Insurance

Rent guarantee cover can be included in legal expenses insurance and is invaluable for some landlords. It can guarantee you receive the rent you are expecting from your property regardless of your tenants personal circumstances, ability or willingness to pay the rent. The monthly rent is covered up to £2500 per month and can be paid for up to 6 months.

If you have a mortgage on the property or have calculated your rental income verses your outgoings this will ensure you do receive your rent.

Landlords Public Liability Insurance

As a landlord you are responsible for the safety of the property that your tenants are living in. Should a tenant harm themselves due to something dangerous in the property they can make a claim against you for damages. Landlord's public liability insurance will pay for any damages that are awarded to the tenant as well as all legal costs. It would also cover you for any damages that a member of the public may be awarded as a result of injury or damage to them, or their property caused by your property.

Commercial Property Insurance

If you own a commercial property and let it out to a business or run your own business from the property, you require commercial property insurance.

If suitable this may be combined with insurance for your business such as stock, liability and business interruption cover.

Insurance for Tenants

As a tenant your landlord is not responsible for insuring your possessions while in their property. You must insure them under a tenant's contents insurance policy which can be tailored to your individual needs. Additional cover is available such as accidental damage cover and cover for your possessions while away from the home, this may also be extended to worldwide cover.

Block Insurance for Landlords

A Block policy could provide comprehensive cover with the benefit of a discounted premium for 'bulk buying'. Properties covered can be blocks of flats or an existing portfolio of other property. We can provide the same high levels of cover as for individual properties, and give the landlord less administration worries with an easy to organise block insurance policy.

Property Owners Insurance

As a property owner you can insure your property against all major perils, fire, flood, earthquake, explosion, and storm, escape of water, impact, theft and malicious damage. Additional cover such as accidental damage can also be included. Whether your property is let to a residential tenant, a commercial tenant, or you occupy the property yourself, we can provide a quote for the most appropriate policy to meet your needs.

Insurance for Holiday Homes

It is imperative to get the correct policy if you let your property to holidaymakers. The property may experience periods when unoccupied between tenants and a standard let property insurance would be inadequate. You can also cover your contents against loss or damage and insure for any public liability risk should a third party or tenant be injured on your property.