Residential Landlord Insurance

This section covers information that will help you compare Residential Landlord Insurance policies.

Why do you need Residential Landlord Insurance?
What does a Residential Landlord Insurance policy cover?
How much Residential Landlord Insurance cover will you need?
How Coverzones can help you compare Residential Landlord Insurance right now.

Why do you need Residential Landlord Insurance?
Residential Landlord Insurance covers you against the risks associated with renting out residential properties – from damage to your property, to the risk of being sued if one of your tenants were injured or died as a result of your negligence. It provides the security of knowing you could deal with costs that could otherwise wipe out your business.

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What does a Residential Landlord Insurance policy cover?

Residential Landlord Insurance is intended to cover buildings let out to tenants to live in. The types and levels of cover vary from one policy to another, so when you choose Residential Landlord Insurance, it’s essential to check that it provides the cover you need.

The types of insurance that might be offered under the umbrella of a Residential Landlord Insurance policy are:

Buildings insurance: provides cover if your buildings are damaged or destroyed – by fire, flood, or storms, for example. You may also be able to add cover for other risks such as water leaks or malicious and accidental damage.

Landlord’s contents: covers damage or theft of your contents in rental properties, protecting you against expensive replacement and repairs costs. It does not cover your tenants’ contents – make sure they know they are responsible for insuring their own household contents.

Landlord’s liability: covers you against claims arising from the death or injury of a tenant or member of the public on your premises if your negligence as a landlord was a factor – if you failed to mend a step and someone fell, for example.

Loss of rent: covers you for loss of rental income as a consequence of insured events. It might also include the costs of re-letting and of providing alternative accommodation for tenants.

How much Residential Landlord Insurance cover will you need?

When you buy Residential Landlord Insurance, the amount of buildings cover included should be based on the cost of rebuilding the properties, not on their market value. You are also likely to need Liability Insurance of between £2 and £5 million.

Other levels of cover will depend on the value of your rental properties and the levels of rental income you earn.

Being under-insured is a risk that makes no business sense whatsoever – bear in mind that cheap Residential Landlord Insurance is only a good deal if it includes all the cover you need.

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How Coverzones can help you compare Residential Landlord Insurance.

We make it quick and easy to compare Residential Landlord Insurance. We’ll show you up to six of today’s most competitive quotes from different providers. You simply weigh up the different policy benefits and choose Residential Landlord Insurance that suits your needs. When you’ve picked a quote, Residential Landlord Insurance can be in place and providing the security you need within the same day.

You can also set up a free MyCoverZones account that enables you to access your quotes instantly, and amend, renew or cancel all your current policies online whenever you wish.

Compare and buy Residential Landlord Insurance policies online right now!