Insurances
We are able to arrange a variety of insurance policies for both landlords and tenants, including the following:
Buildings Insurance
Covers the rebuilding of your property following loss or damage caused by fire, aircraft, smoke, malicious persons (including tenants), accidental damage to bathroom fixtures & fittings and glass, lighting, explosion, collision or impact, falling trees and earthquake, theft (by forcible means), subsidence, riot/civil commotion, storm, flood, escape of water or oil leakage and loss of rent up to 20% of the sum insured following damage. Also includes property owner’s liability.
Limited Contents Cover
WHERE THE PROPERTY IS LET UNFURNISHED, LIMITED CONTENTS COVER IS AVAILABLE; THIS GENERALLY PROVIDES COVER FOR THE FOLLOWING ITEMS: CARPETS, CURTAINS, SUN BLINDS, LIGHT FIXTURES & FITTINGS, AND KITCHEN WHITE GOOD. COVER CAN BE ON A NEW FOR OLD BASIS AND INCLUDES LANDLORD'S LIABILITY.
Contents Insurance
Cover can be on a new for old basis for loss or damage caused by fire, aircraft, smoke, malicious persons, lighting, explosion, impact, theft (by forcible means), subsidence, riot/civil commotion, storm, flood, escape of water or oil leakage, breakage of mirrors or glass in furniture, replacement of locks following theft of keys, and loss of rent up to a given percentage of the sum insured following damage. This can also include landlord’s liability.
Legal Expenses
Should you be unable to collect the rent, your tenants may damage or remove your personal possessions, or they may cause a nuisance to your neighbours. All of these problems can be resolved by legal action but this can be very expensive. We can arrange cover to include all of your legal expenses up to a set figure and even in some circumstances with no policy excess to pay.
Rent Guarantee
This policy provides total peace of mind for landlords. Cover includes the rent you are expecting from your property until vacant possession is obtained for up to 12 months (excluding the first month’s lost rent). Additionally, cover includes 50% of the rent for up to 3 month’s after possession is obtained whilst a new tenant is found. All legal related expenses are included.
Insurance – for Tenants
We are able to arrange a variety of insurance policies for tenants, including the following :
Up to your preferred sum insured for damage to your household furniture, equipment, furnishings, clothing and personal possessions whilst in your home (excludes business equipment).
For accidental damage to your landlord’s contents, fixtures & fittings for which you are responsible.
Personal Possessions
Up to your preferred sum insured for loss or accidental damage to your clothing, watches, jewellery, spectacles, other valuables (excluding mobile telephones) and pedal cycles whilst away from your home anywhere in the UK or whilst temporarily elsewhere in the world. Theft from unattended vehicles must be from a locked boot.
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