A property that is let to a tenant requires a specialist letting insurance policy. For those properties that are let to residential tenants we would recommend you look at a residential let property insurance policy. This will have additional features you would not find in a standard buildings policy such as loss of rent cover in the event of a claim.
If the let property is for commercial use then a specialist commercial buildings insurance policy will be required. For properties that have an element of both residential and commercial let then our Zurich Landlords insurance policy may be best suited.
Making sure you have adequate landlords insurance is a simple matter of prudent asset management.
A letting property is a substantial investment that should be protected by a comprehensive landlords' insurance policy. UKinsurancenet specialises in arranging insurance for all types of property risk and provides independent advice to landlords, property owners, and letting agents.
holiday homes that are let we also have specialist holiday home insurance available, this caters for the property being let for short periods and having periods of unoccupancy.
Regardless of the type of property you wish to insure there are a number of key components of any insurance plan:-
- Buildings Insurance.
- Contents Insurance.
- Public Liability Insurance for Buildings.
- Public Liability Insurance for Contents.
The above items cover the key components of any insurance plan although consideration could also be given to the optional extras detailed below
- New for old cover for contents.
- Accidental damage cover for contents.
- Fixtures and fittings cover if your property is covered by a block policy.
- Legal expenses cover.
- Rent guarantee insurance.
- Emergency assistance (particularly useful for holiday let property).