Student Landlord Insurance
Who Needs Student Landlord Insurance?
Why do you need Student Landlord Insurance?
What Does Student Landlord Insurance Cover You For?
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
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Buildings – the cost of repairing, replacing or rebuilding your home up to an agreed sum (including temporary accommodation costs)
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Contents – the cost of repairing or replacing the contents of your home or removal of your contents to other premises.
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Accidental damage to buildings and/or contents
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Pedal cycles – the cost of repairing or replacing pedal cycles following theft or accidental damage
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Accidents to domestic staff – your liability for bodily injury to your domestic staff
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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
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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
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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)
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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)
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Motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories
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Any property held or used for business purposes
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Existing and deliberate damage occurring before the beginning of the period of insurance or caused deliberately by you
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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
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Damage caused by domestic pets
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Infectious or contagious disease
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Loss or damage to outdoor structures like pools, drives, gates, fences and hedges
Student Landlord Insurance
FAQS
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It isn’t legally required for you to have a particular student let type of insurance, but it’s often required by mortgage providers for you to have some type of buildings cover or even specialist cover before you’ll be granted a buy-to-let mortgage. That’s not to mention you’ll want to have financial support quickly and easily available if the worst happens to your student let.
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We provide you with a clear and detailed quote for a student let insurance deal that’s ideal for your situation and your rental property. Have some basic information handy and request a quote with us today.
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A lot like home insurance, student let insurance is there to give you an agreed amount of money in case certain incidents happen, such as floods, fire, accidental damage and theft. But student landlord insurance goes a step further, covering the extra potential risks that come with student lets.
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Student let insurance doesn’t cover the student occupier’s personal belongings. The students would need to insure their personal belongings themselves, as student landlord insurance generally covers the building, including the structure and the contents, which are owned by the landlord. These could be furnishings, white goods, and appliances.
Cristal Business Centre, 47 Knightsdale Road, Ipswich, Suffolk, IP1 4JJ
Home Cover
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Brokers
Orwell Insurance Services Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register
(https://register.fca.org.uk/s/) under reference 311566