Private Landlord Insurance

Your rental property can be a great asset – and is likely to be a considerable investment. Therefore, you need to protect it with specialist landlord insurance.

One of the most important aspects of owning a property is making sure that you have the right insurance cover.

Landlord insurance can provide cover for events including fire, flood, accidental damage as well as malicious damage by tenants, theft, unpaid rent and legal disputes. A standard home insurance policy will not protect you if letting your property.

Most mortgage companies will insist that you have Landlords Insurance in place.

The risks

Leasing
When you are leasing a property, you could lose your rental income if your tenant must relocate after a covered peril. Check your private landlord insurance policy to see if it covers loss of rent in such circumstances.

Property Owners
Property owners’ liability covers you for costs and damages — including medical — if a member of the public, or someone visiting your tenant, is injured while on your property.

Residential Landlords
As a residential landlord, you also have a variety of legal responsibilities. Make sure you know what your responsibilities as a residential landlord are in order to avoid fines, tenant disputes or even prosecution.

The Solution
Talk to FOCUS about your responsibilities as a landlord. Our experts can help you mitigate your liability and property risks with the right landlord insurance cover.

Private Landlord questions

There’s no legal requirement for a landlord to take out a dedicated insurance policy. However, if you have a mortgage on your property it’s highly likely that your lender will require you to take out insurance before you take on tenants.

Things to consider when choosing Landlord Insurance:

  • Tenant type
  • Loss of rent cover
  • Landlords’ Contents Insurance
  • Landlords’ Liability Insurance
  • Rent Guarantee Insurance
  • Landlords’ Legal Expense Cover

If you would like to discuss your current property owners or landlord insurance arrangements, please do not hesitate to contact us.

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    Entries close 31 March 2021.

     

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