A house in multiple occupation is a house occupied by people who do not live as a single household. This can include bedsits, shared houses, hostels, non-self contained flats and houses converted into flats. Hotels, guest houses and bed and breakfast establishments that are used to accommodate homeless people...
Landlord fixtures and fittings, including communal television and radio receiving aerials, satellite dishes and communication equipment, fixed glass, fixed sanitary ware and other related fittings in or pertaining to the buildings, are included as part of the building insurance cover. Just make sure this is included within your sum...
As the owner of a leasehold property you are not usually required to insure the buildings however you are still legally liable for the welfare of your tenant, so should the tenant suffer an injury within your flat you could find yourself on the receiving end of a claim....

What Is An Interested Party?

An interested party is any other person or organisation with a financial interest in the property, such as a mortgage provider. TAKE ACTION:
"Commercial purposes" is defined as any type of business being operated from the insured property. As our Landlords Insurance policy is designed to cover premises used solely for residential purposes it is not suitable if your tenant or their guests run any type of business from home. If your...
If you are under insured then your insurers are only liable to pay a proportion of your claim. For example if your sum insured only covers 50% of your rebuilding cost, then your insurers are only liable for paying 50% of the amount that you claim. This applies to...

Will My Cover Continue If The Tenant Moves Out?

Our policies do provide full cover for a period of either 30 or 90 days depending on the cover that you purchase and subject to you taking certain precautions. Please refer to the summary of cover or call us for more information.

How Will I Know The Rebuild Cost Of My Property?

If you have purchased the property with a mortgage your lender will usually have a surveyor carry out a valuation, and this should indicate a rebuilding sum insured. If you do not have a mortgage valuation you can seek guidance from the Royal Institution of Chartered Surveyors by visiting...

Is Landlord Insurance Required By Law?

While there landlord insurance is not compulsory by law; it is recommended that any property owner secure their property in the event of any natural catastrophe. Your landlord policy will also indemnify you against all sums which you will be held legally liable to pay as the owner of...

What Is Landlord Insurance?

Landlords insurance is a policy similar to your home insurance to protect your rental properties. From the landlord who owns a single property, to the entrepreneur who controls a large portfolio of properties, our policies are there to keep you and your premises and/or possessions covered. 
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