Covea Landlords Insurance

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Up to 35% no claims discount for careful landlords

Cover available for property undergoing renovation

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Benefits

  • 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

Covea landlords insurance

If you are in the market for landlords insurance, you might want to take a close look at the product offered by Covea – a name that might not be immediately familiar, but which embodies the merger of three British insurers of great standing; namely, MMA Insurance, Gateway and Provident Insurance.

Why do I need specialist cover?

As the owner of buy to let property, you may already be aware of some of the risks and perils to which the property is involved and the success of the business on which the premises depend.

Because this is the commercial purpose and status of the property and the landlord’s business, those risks and perils are quite different to those of a householder owning and occupying his or her homes.

Because the risks are quite different, a specialist form of insurance is required – landlord’s insurance.

In order to examine this specialist insurance more closely and to consider how much it might cost in the premiums you pay, why not make use of our quote and buy service.

What is included in the cover?

Landlord insurance typically addresses the two principal aspects of the buy to let business:

The assets

It covers the capital investment made in the business by protecting the structure and fabric of the building or buildings involved;

It also safeguards the landlord’s investment in any furnishings or equipment he may have installed in the let property;

The business

Typically, buy to let insurance also extends property owner’s liability cover to safeguard the landlord against claims from tenants or members of the public injured on the property or having their own possessions damaged;

The business income stream is also protected by compensating the landlord for lost rents in the event of an insured incident, leaving the accommodation temporarily unusable;

Depending on the policy chosen, the insurance may also cover the costs of approved legal expenses – in the matter of disputes with tenants or the defence of liability claims for example.

Why choose a Covea landlord insurance policy?

There are a number of features and benefits likely to attract the typical landlord, not least of which are, currently:

  • the inclusion of building subsidence in the standard cover;
  • cover for accidental damage to many fixtures and fittings, underground cables and pipes;
  • contents cover of up to £5,000 is included free of charge;
  • optional cover for furnishings, appliances and kitchen ware if the accommodation is let fully furnished;
  • any type of tenant may occupy the let property – for example, professionals, company lets, students or benefits claimants; and
  • discounts are available if you own a portfolio of more than one let properties.

It may be seen, therefore, that Covea offer a distinctive and attractive package of elements to reassure the typical landlord of buy to let property.

Compare more insurers such as LV, Towergate and NIG online with our quote and buy system.