Ageas Landlords Insurance
Save up to 30% on your renewal premium
Up to £20k free contents cover available
Many tenant types acceptable
25% multi building discount available
Greatest buy to let deals available
Up to 13 weeks cover for vacant properties
Ageas landlords insurance
Any insurer who can trace their history back to 1824 is likely to know a thing or two about the insurance business. When you buy your landlords insurance from Ageas this is the history you are tapping into and the enjoying the benefit of such lengthy experience.
Why do I need specialist cover that is landlords insurance?
The occupation of any property by tenants represents a particular use of that property, with the special risks and perils that go with such a usage. It is because of those special risks and perils that the specialist cover of landlords insurance is required.
Indeed, if you decide to let your property to tenants – whether you are an accidental landlord who has simply inherited the home, for example, or whether you have made a point of buying to let – specialist landlords insurance is necessary to maintain the protection of your financial interest in the property. If you are relying on standard home insurance – arranged when you were the owner occupier for instance – your insurer might reject any claim you need to make when tenants are living there.
What does landlords insurance cover?
Since this is specialist insurance, it is typically flexible enough to meet the needs and requirements of a number of different landlords. Precisely what it covers, therefore, may vary according to those needs.
As a general rule, however, cover is likely to take effect under the following broad headings:
- cover for the let building or buildings and any outhouses against loss or damage cause by major incidents such as flooding, fire, impacts, storm damage or vandalism;
- cover for any property owned by the landlord in the let premises – which may or may not include accidental damage or even malicious damage caused by tenants, depending on the policy;
- compensation for loss of rental income if one of the insured events leaves the accommodation temporarily uninhabitable; and
- property owner’s liability cover – to indemnify the landlord in the event of claims of negligence from tenants, their visitors or members of the public.
Why choose a landlord insurance policy by Ageas?
Some of the reasons for choosing Ageas may be found through our online quote and buy service.
For many owners of buy to let property, Ageas’ landlords insurance ticks all the right boxes – so far as cover extends not only to the building and its contents but also to other business risks.
This includes not only property owners liability cover but also employer’s liability cover – insurance that may be legally required if you employ others, but which might not be included as a standard feature in other landlord insurance policies.
Cover also provides for compensation for loss of rental income and the cost of approved legal expenses.