Landlord's Insurance

Landlords insurance for buildings and contents may include as standard: loss or damage arising as a result of fire, storm, flood, falling trees, theft, malicious acts or vandalism; your loss of rent or the cost of providing alternative accommodation for the tenant following damage caused by an insured event; legal liability as owner of the buildings for causing injury to others or damage to their property; and home emergency cover for call-outs or repairs.

Contents-only cover is available in circumstances where the building is insured by another party, such as in the case of a leasehold flat.

You can tailor your policy with optional cover, including: buildings and contents accidental/malicious damage by tenants; and legal expenses, rent guarantee and eviction of squatters cover, which insures you for irrecoverable costs and fees to pursue or defend claims involving breach of tenancy agreement and unpaid rent.

Please note that Landlords Insurance is designed to cover certain unforeseen events and doesn't cover everything — it does not cover general wear and tear or damage that happens gradually over a period of time, and there is also an excess on each claim.