Here at One Insurance Solution, we have a wide range of insurers that can cover any type of property in any location. We can insure all types of property from houses, to bungalows, town houses, blocks of flats, large houses, barn conversions and more.
We offer great rates on unoccupied properties, properties in flood or subsidence risk locations and rental guarantee insurance. Unlike many other property or landlord insurance providers, we can help find you a policy for unusual properties or those with tricky circumstances.
The landlord and property insurance providers we work with can help you find cover and deals that can’t easily be found on the highstreet.
All types of Houses and Homes
Flats (freehold and leasehold)
Unoccupied and Occupied Properties
What is Landlords Insurance?
Landlords insurance, sometimes called buy-to-let insurance, is for someone who owns a property and rents it out to other people. This includes renting it to tenants, family members, holiday lets, or to businesses. It also applies to those who own an empty property, who are intending to let it or sell it.
There are 3 basic things you can cover yourself for: physical material damage to the building and contents, liability to the public (like a postman tripping on your front step), or financial loss like loss of rent and legal costs.
There are several things that can happen to your property called perils. There are too many to list here, but common perils that occur are fire, storm and flood, escape of water, theft and accidental/malicious damage. You can also insurer property for terrorism, but be aware this is not normally included; this would have to be added on separately.
Tenancy Types and Unoccupied Landlord Insurance
The tenancy type can have a large impact on your insurance agreement, so you need to know what kind of tenants you have. Tenants can include: working professionals, people referred by Social Security, students, asylum seekers. Or if you do not have any tenants in your property, your tenancy type would be classed as “unoccupied”. If so, you need to make sure that your insurance still covers you. Many policies do not cover the property if it’s unoccupied for more than a certain a length of time.
While you do have tenants, they can be on a 6 month let, a 12 month let, or a number of different time frames. We can arrange cover based on all types of tenants that you might have in your property.