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Landlord Insurance

Enjoy Troll-Free Tenancies With The Security Of Comprehensive Landlord Cover

New landlord, unsure where to start with landlord’s insurance? Portfolio landlord searching for a better deal that covers all your insurance must-haves so you don’t get bitten by expenses again? You’re in control here at Orwell as we deal directly with our trusted insurance partners who are ready to offer you the flexibility and comprehensive insurance cover.

Getting a landlord insurance quote is fairly easy, but finding cover that protects you against unexpected costs without breaking the bank is harder. That’s why we’re here to help you trit-trot across the rickety bridge of insurance quotes!

Who Needs Landlord Insurance?

Don’t Get Bogged Down By Unexpected Expenses…

Landlord insurance is for rental properties. If you have a long-term rental property (short-term holiday lets require different cover), you’ll want to make sure you’ve got all your bases covered for possibilities like accidental damage, unoccupied periods, and theft.

Many mortgage providers will also require you to have some type of landlord insurance or, at minimum, building insurance before approving you for a buy-to-let mortgage. So it’s important to find the right cover ahead of time to save you the stress of searching in a hurry.

At Orwell, we get tailored offers directly from our panel of specialist insurance partners, so you can rest assured you’re getting the best possible deal available from our panel.

Why do you need Landlord Insurance?

Owning A Rental Property Shouldn’t Take A “Troll” On Your Finances

Imagine you have a new rental property, and an accidental fire causes serious structural damage that will take several months to repair. During that time, you won’t be able to let it out and potentially lose out on thousands of pounds worth of rental income. With landlord insurance that covers loss of rental income, resulting in your in property becoming uninhabitable as a result of an insured peril.

Why can’t you use normal home insurance? Landlord cover takes into account the additional risks of rental properties, such as your legal liability to tenants getting hurt in your property.

That means you get compensated when things go wrong, rather than being left to foot the bill yourself.

How To Make A Claim

Making a claim is easy and stress-free. When you confirm your policy with one of our A rated insurers, you’ll get all your documentation which details how to make a claim. This will be a dedicated claims phone number where you can give details about your claim and supply evidence if needed.

Multiple Properties?

As a landlord with more than one property, you have two choices when it comes to landlord insurance. You can either insure each property separately or find an insurer that is willing to put multiple properties on one policy, possibly giving you a discount for your troubles. This is the type of deal we love to find for you!

What Does Landlord Insurance Cover You For?

Landlord insurance can cover exactly what you want it to because we make sure you’re matched with an insurer that’s flexible enough to meet your requirements. Typically, your insurance can cover buildings, contents and some landlord-specific extras like rental protection, public liability and unoccupied house cover.

Here’s an overview of what’s included in landlord insurance to give you a general idea of what is and isn’t covered.

Here’s an overview of what your policy can protect you against, although your personalised policy might look different depending on your selections…

What’s covered

  • Buildings – the cost of repairing, replacing or rebuilding your home up to an agreed sum (including temporary accommodation costs)

  • Contents – the cost of repairing or replacing the contents of your home or removal of your contents to other premises.

  • Accidental damage to buildings and/or contents

  • Pedal cycles – the cost of repairing or replacing pedal cycles following theft or accidental damage

  • Accidents to domestic staff – your liability for bodily injury to your domestic staff

  • Public liability – your liability as a private individual and as owner or occupier of the home for the bodily injury or property damage done to another person or property while they’re in your home

  • Escape of water from and frost damage to fixed water tanks, heating installation, apparatus or pipes, up to a maximum of GBP5,000 for each and every loss

What’s Not covered

  • Wear and tear or any other gradually operating cause (for example, damp formed over a period of time due to blocked or poorly maintained guttering or the mechanical or electrical failure of a television)

  • The cost of replacing undamaged or remaining items or parts of the buildings which form part of a pair, set or suite following the loss of or damage to the matching item(s)

  • Motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories

  • Any property held or used for business purposes

  • Existing and deliberate damage occurring before the beginning of the period of insurance or caused deliberately by you

  • Any risk where the losses are cyber-related, arising from either malicious acts (e.g. cyber-attack, infection of an IT System with malicious code) or nonmalicious acts (e.g. loss of data, accidental acts or omissions) involving either tangible or intangible assets

  • Damage caused by domestic pets

  • Infectious or contagious disease

  • Loss or damage to outdoor structures like pools, drives, gates, fences and hedges

Landlord Insurance

FAQS

  • As a landlord, you should consider getting specialist landlord insurance, which provides additional cover for the things you don’t want to pay out for yourself. Your insurance can cover buildings, contents, public liability, agreed home value, accidental damage, and much more.

  • Landlord insurance isn’t mandatory or legally required – just as home insurance isn’t. But if you don’t have cover in place, you should be prepared to pay out when things go wrong in your rental property, shouldering the cost for anything from accidental damage caused by tenants to a full rebuild in the event of a serious fire or flood.

  • Landlord insurance can cost a little more than regular home insurance because there are extra risks and things that could potentially go wrong. Your insurer needs to take those into account when giving you a landlord insurance quote, but we can streamline the process of finding a deal that fits your budget.

  • It’s essential to get the correct landlord insurance in place as soon as possible, as it protects you against losing money and paying for repairs and replacements. Without landlord insurance, you could be left out of pocket for unexpected (but predictable) events like fire, accidental damage and contents damage.

  • Landlord insurance is similar to home insurance, except it comes with some extra protection for things specific to rental properties. This can include loss of rental income cover, public liability, unoccupied property cover – and more. We tailor your insurance to you!

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