The landlords insurance policy available via this site offers a variety of different types of cover, which can be bought added to or left out from the policy at your discretion.

Buildings Insurance

This covers the rebuilding of your property following loss or damage caused by fire, aircraft, malicious persons (including tenants), accidental damage to bathroom fixtures & fittings and glass, lightning, explosion, collision or impact, falling trees and earthquake, theft, subsidence, riot/civil commotion, storm, flood, escape of water or oil leakage and loss of rent - plus your re-letting costs - up to 30% of the sum insured following damage.

Properties must be let on an assured shorthold tenancy or Short Assured Tenancy (Scotland).
Also Includes:
Employer’s liability £10,000,000
Property owner’s liability £5,000,000
Policy excess: The following amount will be deducted from each claim: £100 (subsidence £1000).

Limited Contents Cover

Where the property is part-furnished, limited contents cover is available; this provides up to £5,000 cover for the following items: Carpets, Curtains, Sun Blinds, Light Fixtures & Fittings and Kitchen White Goods. Cover is on a new for old basis.

Properties must be let on an assured shorthold tenancy or Short Assured Tenancy (Scotland). Any other agreement must be referred to HomeLet for approval prior to cover commencing.
Also includes:
Employer’s liability £10,000,000
Landlord’s liability £5,000,000
Policy excess: The following amount will be deducted from each claim: £100.

Contents Insurance

Cover on a new for old basis for loss or damage caused by fire, aircraft, malicious persons (including tenants), lightning, explosion, impact, theft, subsidence, riot/civil commotion, storm, flood, escape of water or oil leakage, breakage of mirrors and glass in furniture, replacement of locks following theft of keys and loss of rent - plus your re-letting costs - up to 30% of the sum insured following damage.

Properties must be let on an assured shorthold tenancy or Short Assured Tenancy (Scotland). Any other agreement must be referred to HomeLet for approval prior to cover commencing.
Also includes:
Employer’s liability £10,000,000
Landlord’s liability £5,000,000
Policy excess: The following amount will be deducted from each claim: £100.

Emergency Assistance

Covers the cost of a contractor’s call out and labour charges, parts and materials up to a maximum of £500 (including VAT) for each emergency in connection with:

• Security of doors and windows
• Roofing, downpiping and guttering
• Electricity supply
• Cooking
• Lost keys
• Plumbing

There is no excess to pay. Emergency assistance does not cover incidents arising from lack of routine maintenance.

Legal Expenses

You may be unable to collect your rent, your tenants may not vacate the property and you may need to evict unauthorised occupiers.. All these problems can be resolved by legal action but this is expensive. This policy offers cover for all of your legal expenses up to £50,000.

Claims against tenants will only be paid if they have been satisfactorily referenced. Properties must be let on an assured shorthold tenancy or Short Assured Tenancy (Scotland). Any other agreement must be referred to HomeLet for approval prior to cover commencing.

Policy excess: The following amount will be deducted from each claim: Nil.

Rent Guarantee

Total peace of mind for landlords. If the tenant fails to pay the rent, we will pay the rent you are expecting from your property until vacant possession is obtained for up to 12 months (excluding the first month’s lost rent). Additionally, we will pay 50% of the rent for up to 3 months after vacant possession has been obtained, whilst a new tenant is found. All related legal expenses are included.

Claims will only be paid if your tenants have been satisfactorily referenced. Properties must be let on an assured shorthold tenancy or Short Assured Tenancy (Scotland). Any other agreement must be referred to HomeLet for approval prior to cover commencing.

To be eligible for Rent Guarantee Insurance all tenants must, prior to commencement of cover either be credit checked by HomeLet Referencing Service or be credit checked by another referencing service which has been approved by HomeLet in writing, or provide references for approval by HomeLet in writing.

Policy excess: The following amount will be deducted from each claim: The first month's unpaid rent.