We keep our cover options as simple as possible - so you can build your own policy. You’ll see exactly what you’re covered for and what you’re not.
With Simple Landlords Insurance, you can buy 5* Defaqto rated cover in case something happens to your property (buildings insurance) or whatever’s inside it (contents insurance). We like to keep quality high and prices low.
As part of our standard buildings or contents cover you’ll also get legal liability insurance, to protect you if someone gets hurt in or around your rental property - and we’ll even throw in loss of rent and alternative accommodation protection as standard, too.
Depending on your property, tenants, and priorities, you can then pick and choose what else you’d like to be covered for - from Home emergency cover to Key protection and Rent guarantee.
By bolting on different products you can create your own tailor-made policy.
So what are you looking for?
Buildings insurance cover protects your property against damage, for instance if there’s a fire, a flood, damage from a storm, or something a bit less disastrous– like a simple missing roof tile or a leaky bath.
If you need to rebuild part or all of your property, you need to make sure you’ve got the right level of cover to do so – so you don’t end up out of pocket or paying over the odds for your policy.
Read more about buildings insurance.
If you turned your property upside down and shook it, everything that would fall out counts as the contents (so the sofa, but not the kitchen units). If something does happen to your contents, you may need insurance to cover the cost of replacing things like the property’s furniture and appliances.
You may need to cover anything that belongs to you in the property - and your tenants will need their own contents insurance to cover their own belongings.
Read more about contents insurance.
Say a postman delivers a letter to your property on a windy day, gets hit by a falling roof tile, and decides to take you to court. Or the carpet in the hall is loose causing a tenant to trip, and they sue for damages. Legal liability basically means if someone decides to sue you, then your legal costs should be covered.
We’ll cover you for legal liability up to £2million as standard. So you, your tenants, (and your postman) can rest easy.
Read more about legal liability cover.
Alternative accommodation and Loss of rent
There’s been a leak from the bathroom straight into the kitchen, and your tenants can’t wash or cook until it’s all sorted out.
If you have to make a claim on your buildings insurance and your tenants can’t live in the property when it’s being repaired, they’ll need alternative accommodation. We’ll foot the bill so you don’t have to – and that offer comes as standard on all of our insurance policies.
Loss of rent
If something serious happens to your property – like a fire or a flood - and tenants can’t live there anymore, you’re going to lose a lot of rent while building work and repairs take place.
Loss of rent cover means that if your property can’t be occupied, you don’t have to be completely out of pocket. As standard, we’ll give you 12 months cover, or up to 20% of your Buildings Sum Insured figure (that’s how much you’ve calculated it would cost to rebuild your property from its foundations).
Loss of rent cover will only kick in after your alternative accommodation requirements (and cover) has ended. So we’ll put your tenants up somewhere while the serious repairs start, and when they find somewhere new we’ll start paying your loss of rent cover.
Read more about alternative accommodation & loss of rent cover.
Accidental damage and Malicious damage
Someone leaves the straighteners on and they burn through the carpet. Next door’s kid kicks a football through the living room window. Red wine is spilt over the sofa you put in last week.
If it’s an unintentional one-off incident that harms your property or its contents, we’ve got it covered.
Read more about accidental damage.
Sometimes bad stuff happens to good properties, and sometimes it’s deliberate. We’ve seen pipework ripped out of houses for the copper, leaks and fires started on purpose, and buildings gutted to make way for cannabis farms.
If this happens to you, we’re sorry, and with our cover we can help you repair whatever’s been broken. However, if it’s your legal tenants who do the damage, you’re not covered unless you’ve got malicious damage cover as part of your policy.
The really good news is that if you’ve got a low-risk property with reliable tenants, we’ll throw both accidental cover in for FREE with your buildings or contents insurance.
Read more about malicious damage.
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