With different risks and responsibilities, life as a landlord can be complicated.
Whatever type of landlord you are, protecting both your investment and income with Landlords Insurance is essential.
With almost 40% of UK property currently under-insured* and ‘standard’ home insurance failing to provide sufficient cover for rental properties, just think what would happen if yours became uninhabitable. Apart from the lost rental income, could you afford the cost of repairs, alternative accommodation or legal advice?
So whether you’re looking to cover your very first buy-to-let property, or a better deal on an existing portfolio... save money and keep things simple with us.
Research has shown that landlords choosing to protect their properties with other leading suppliers could save up to 60% with Simple Landlords Insurance.
Our quick and easy online service means that, once cover is in place, you can access, download and change your policy online 24/7! Should you prefer to talk to us on the phone, our dedicated UK based agents on hand to help.
Exclusive to our customers and designed specifically to complement your landlords insurance, our Legal & Professional Fees and Home Emergency options ensure you’re always prepared for the unexpected.
The Importance of Landlord Insurance - Click to find out more
Landlords face different pressures to general homeowners; you’ve responsibilities to tenants, the property and to protect your income.
It’s important you have specialist insurance that takes into account these responsibilities, protecting you & your investment.
Think about what would happen if your rental property became uninhabitable, as well as the repair costs, could you afford the cost of alternative accommodation for your tenants? The loss of rent incurred? Not to mention potential liability costs?
This is where Landlords Insurance from Simple can help. Whatever type of Landlord you are we make it easy to protect your investment, with a jargon-free approach and cover that is quick and easy to arrange.
So, if you’re looking for buy-to-let landlords insurance, that covers a variety of tenant and property types - keep it Simple with Simple Landlords Insurance!
Buy-to-let Landlord Insurance - What’s Covered? - Click to find out more
Simple Landlords Insurance is designed to protect Landlords against a range of eventualities, no matter what their tenant or property type.
Our Cover Includes:
The price you pay is determined by a range of factors which take into account your individual circumstances, so we can provide the best deal for you. Landlords with professional or retired tenants benefit from Free Accidental Damage cover on Buildings Insurance.
You can get a quote, tailor your cover and purchase a policy online in a matter of minutes. With flexible yearly or monthly Direct Debit payment options, Simple Landlords Insurance puts Landlords in control.
Simple Landlord Insurance - Features Explained - Click to find out more
Landlords Buildings Insurance - This would cover the structure of the property against a variety of risks, including flood, fire and storm. Buildings Insurance gives you peace of mind that if your property is damaged the repair or rebuild costs are covered. Simple Landlords Insurance allows you to specify the amount of cover that you need from, £75,000 up to £2 million, helping to make us the insurance choice for thousands of UK landlords.
Landlord Contents Insurance - This covers the items you own in your rental property. Covering the likes of carpets, furniture and televisions - Landlords Contents cover protects your investments. With Simple Landlords Insurance you can choose how much contents cover, from £5,000 right up to £50,000.
Landlord Liability Insurance - Designed to meet many of the liability risks landlords face to the public and to their tenants. With Simple Landlords Insurance you are covered for up to £2million as standard, if you are found liable for injury to a tenant or member of the public.
Loss Of Rent Insurance - If your property becomes uninhabitable then Loss of Rent Insurance will protect you against lost income for up to 12 months. This helps give you valuable peace of mind that your rental income is protected should something happen outside of your control, such as a fire or flood.
Free Accidental Damage Cover on buildings for certain tenant types* -
If your tenants are professional or retired Simple Landlords Insurance offers you Free Accidental Damage cover, which will protect against un-intentional damage that your tenants cause. To take advantage of this offer, make sure you click YES at the relevant section when completing your quote.
Alternative Accommodation Insurance - Contents and Building cover are valuable for any homeowner, but landlords have wider responsibilities and many rely on their rental income. Alternative Accommodation Insurance will cover the cost of providing accommodation for your tenants should your property become uninhabitable.
The Benefits of Simple Landlords Insurance - Click to find out more
There are many benefits of landlords insurance also commonly known as buy-to-let insurance but Simple goes that extra mile to keep you in pocket without compromising on exceptional service. In addition to standard landlord insurance benefits, such as buildings and contents insurance, Simple also offers a range of incentives and added extras for your convenience.
Free Accidental Damage Cover on buildings
Accidents can happen and when you’re a Landlord you are forced to put your trust in others. Accidental Damage cover helps to give you financial protection against such misfortune. Simple Landlords Insurance offers Free Accidental Damage cover on buildings insurance for professional and retired tenants. To benefit from this fantastic offer, click YES when completing your quote.
Lower Landlord Insurance Premiums
Simple Landlords Insurance operates online, reducing overheads and passing the savings on to YOU through competitive landlords insurance premiums. Our fully online service makes it quick and easy too.
You’ll be given a secure login, so you can access your landlord insurance policy at anytime and, if anything changes you can amend your policy online in a matter of seconds. In a nutshell, Simple’s efficient service makes it fast, easy, and altogether, more convenient to arrange your landlords insurance policy.
Savings on Multiple Properties
The property market can be a costly business, especially if you’ve a few properties to maintain. If you do rent out several homes make sure you get an online landlord insurance quote today.
Simple can offer a generous discount for multiple properties cover. Discounts start at just 3 properties. Meanwhile if you’re looking for insurance for 5+ properties we’ll offer you a dedicated account managed service - find out more at Portfolio property Insurance from Simple.
Direct Debit - An Easier Way To Pay
Paying for your buy-to-let landlord insurance policy couldn’t be easier with Simple. You can make a one-off payment using your debit or credit card securely online or you can spread the cost over a year by paying monthly by Direct Debit.
Setting up a direct debit arrangement is quick and simple and gives you entire control over your payments. You can choose which date the payment leaves your account and we will do our best to accommodate you. Furthermore, if for any reason you need to amend your landlords insurance policy and it changes the amount you owe, your payments will be automatically adjusted for you.
Simple’s Direct Debit Guarantee
Setting up a Direct Debit for Simple Landlords Insurance is 100% safe and secure. You’ll be protected by the Direct Debit guarantee given by the banks and building societies. And if at any time there is a change to the date, amount or frequency of your agreement Simple buy-to-let landlord insurance will always notify you in advance of the changes being made.
But don't just take our word for it, click on ‘get a quote’ and you’ll have a no obligation quote in a matter of minutes.
Legal & Professional Fees & Home Emergency Cover - Click to find out more
Legal & Professional Fees
Our Legal & Professional Fees provides you with up to £25,000 of legal protection against legal issues such as contractual breach by tenant(s), pursuit of rent arrears and eviction of anyone in the property without your permission. Legal & Professional Fees has been designed specifically to complement your landlord insurance policy. This exclusive cover can only be purchased when you buy your landlords buildings and / or contents or at annual renewal.
Home Emergency Cover
Our Home Emergency Cover ensures you are always prepared for the unexpected, be it boiler problems or a burst pipe, you will have access to our 24 hour emergency helpline. Home Emergency Cover has been designed specifically to complement your landlord insurance policy. This exclusive cover can only be purchased when you buy your landlords buildings and / or contents or at annual renewal.
Keys Protection with Keys2Let - Click to find out more
Simple have teamed up with Keycare (Europe largest key recovery and replacement service provider) to offer our Landlords and their tenants the Keys2Let product.
Keys2let allows Landlords to insure themselves against the unexpected costs arising from the replacement of lost or stolen keys, including costly locksmiths charges!
For just £18 per year you’ll be able to reclaim up to £1,000 of emergency call out costs. OR for only £21 per year you’ll be protected up to £1,500.
The scheme also offers a key relocation service. So if your keys are lost and found, Keys2Let offer a £10 reward to the finder for their safe return.
So Protect your keys from as little as 5p a day.
Protect yourself today, call 0845 303 0550 and mention Simple Landlords Insurance.
Simple Rent Guarantee Insurance - Click to find out more
No matter how well you research your tenants there is always a risk that for some reason the tenant(s) are not able to pay their rent on time, or at all. Its in these situations that rent guarantee insurance can help.
With rent guarantee insurance from Simple Rent Guarantee you are protected against your tenants’ failure to pay rent, providing you with the peace of mind of knowing your rental income is secured with:
- Up to £15,000 cover for rent arrears (up to £2,500 per month)
- Up to £10,000 legal expenses cover
- Options of 6 or 12 month policies depending on tenancy agreement
- Free access to legal advice helpline