Your Simple Landlords Insurance cover at a glance
The elements available to make up your simple landlords insurance policy are:
- Landlords insurance for Buildings
- Landlords Contents
- Landlords insurance for Legal Liability
- Accidental damage insurance to repair any damage your tenants may cause to your buildings or contents
A summary of the key features and benefits of our Buildings and Landlords Contents insurance cover is as follows:
Our buildings and landlords contents cover
Our Simple insurance includes Buildings and Landlords Contents cover of up to £2m and it provides protection against the following perils:
- Fire, smoke, explosion, lightning and earthquake
- Storm or flood
- Escape of water or oil from any fixed water or heating installation, apparatus and pipes and increased metered water charges incurred by you as a result of the escaped water
- Theft or attempted theft cause by violent and forcible entry or exit
- Collision or impact by any animal, vehicle, aircraft or aerial devices and including items dropped from them
- Riot, civil commotion, labour and political disturbances
- Malicious damage or vandalism
- Subsidence, landslip or heave of the site upon which the buildings stand
- Falling trees, telegraph poles, lamp-posts, fixed aerials, dishes and masts
- Accidental damage to fixed glass, sanitary fixtures and ceramic hobs forming part of the property
- Accidental damage to underground pipes, cables and services for which you are responsible
- Loss of rent and/or cost of alternative accommodation incurred by you as a result of the buildings becoming uninhabitable following loss or damage caused by any of the perils listed above
- Expenses incurred by you as a result of the removal of debris; compliance with Government or Local Authority requirements; architects' and surveyors' fees incurred in the reinstatement of the building following loss or damage caused by any of the above perils
Get a landlords insurance quote online from Simple.
Please note that exclusions and conditions apply, full details of which are detailed in the policy document.
Your legal liability cover
Your Simple insurance protection includes Legal Liability cover up to £2m, which can be increased to £5m, and it covers you for:
- All sums for which you are legally liable to pay as compensation for injury to any person or third party property arising directly as a result of your ownership of the property, including defence cost and expenses incurred with our prior consent
Find full details of General Conditions and General Exclusions as detailed in the Policy Booklet.
Accidental Damage cover
We also offer Accidental Damage cover insurance to repair any damage your tenants may cause to your buildings or contents.