Landlord Insurance
Our comprehensive policies cover structural damage, liability, and more, ensuring peace of mind for landlords, property owners and managing agents.
We Specialise in Landlord Insurance
Protect your investment with tailored landlord insurance solutions.
Fundamentally, landlord insurance is a specialist form of home insurance designed for rented properties, often providing greater protection than a standard home insurance policy.
Also known as rental property insurance, let property insurance, or buy-to-let insurance, it offers comprehensive coverage against damage to the building and its contents. Standard home insurance often falls short in covering rental-related risks, which is why we strongly advise landlords to opt for a specific landlord insurance policy. This vital protection addresses unique risks such as property damage, liability claims, and loss of rental income, ensuring landlords are financially safeguarded against unexpected events. Whether you own a single rental unit or multiple properties, landlord insurance allows you to manage your investments with confidence and peace of mind.
What does Landlord Insurance Cover?
Landlords insurance protects you in the same way that a standard home insurance policy would, but with added protection against tenants.
Property Damage
Protection against damage from fire, storms, vandalism, and other perils.
Contents
Coverage for the landlord’s belongings in furnished properties.
Liability
Coverage for legal liability if someone is injured on the property.
Legal Expenses
Coverage for legal costs incurred in property disputes or tenant issues.
Loss of Rent
Compensation for loss of rental income if the flats become uninhabitable due to an insured event.
Safeguard your rental property with comprehensive landlord insurance.
Optional Covers
Keep your rental property running smoothly with our dedicated landlord insurance.
Optional coverages in landlord insurance can provide additional protection tailored to specific needs. The optional add-ons can enhance your policy, offering more comprehensive protection for various scenarios.
Subsidence
Financial protection against property subsidence claims.
Loss Recovery
Covering the costs of a loss adjuster to prepare, present and negotiate claims.
Terrorism
Protection of damages caused from acts of terror.
Our in-house claims department
Here at A-One, we benefit from an in-house claims department. This means that should you need to make a claim on your policy, you will be appointed a dedicated claims handler to manage your claim from start to finish. Our handlers will bridge the gap between you and your insurer. Working to achieve the best possible outcome on your behalf.
This means you'll have one point of contact to manage your claim from start to finish.
Do You Need Landlord’s Insurance?
Landlord insurance is essential for anyone renting out a property, as it offers crucial protection that standard home insurance often doesn’t cover. If you’re a landlord, your property is not only a significant financial investment but also a source of rental income, both of which need safeguarding. Landlord insurance typically includes coverage for structural damage, loss of rental income, and liability protection, addressing risks specific to rental properties. Without this specialist insurance, you could face substantial out-of-pocket expenses for repairs, legal claims, or loss of rent. Thus, investing in landlord insurance is a prudent step to ensure your property and financial interests are well protected.
Landlord Insurance FAQ’s
Do landlords need insurance?
Yes, landlords need insurance to protect against various risks associated with renting out properties. Standard homeowner’s insurance typically does not cover rental activities. Landlord insurance provides essential coverage for property damage, liability, loss of rental income, and other specific risks. It ensures financial protection in case of tenant-related issues, legal disputes, and unexpected events, safeguarding the landlord’s investment and income.
Do I need landlord insurance if I have homeowner’s insurance?
Yes, homeowner’s insurance typically doesn’t cover rental activities or related risks. Landlord insurance provides specific protections tailored for rental properties.
How much does landlord insurance cost?
The cost varies based on factors like property location, size, and coverage options. It’s best to get quotes from multiple providers for accurate pricing.
Can I add additional cover?
Yes, many policies offer optional coverages such as rent guarantee insurance, accidental damage, and emergency repair services.