Offering affordable cover for Residential Landlords of single or multiple properties with our Residential Property Owners policy.
Schemes: Let Protect & Let Shield
Features & Benefits common to both schemes
Free £5,000 Landlords Contents when tenanted by professionals, students or DSS (Non-Referral). All white and brown goods included if supplied by the landlord
Accidental Damage to buildings is automatically included for professionals, students and DSS (Non-referrals)
Property Owner’s Liability £2,000,000 (Limit of Indemnity)
Loss of Rent 20% (Building Sum Insured), or up to £150,000 alternative accommodation except for unoccupied properties
Trace and Access up to £5,000
Accidental Damage to cables & underground services
Loss of Metered Water £2,500 any one claim, maximum £5,000 any one period of insurance
Index linking in the event of a claim
Unauthorised use of utilities cover up to £5,000
Capital Additions - 10% of the BSI or £250,000 whichever is less
Landscaped gardens - following damage by emergency services £5,000 in anyone period of insurance
Removal of wasp and bee nests - £1,000 in anyone period of insurance (£50 excess applies)
Illegal cultivation of drugs - clean-up costs and remedial work in reinstating your building back to its original condition if the tenant alters the building without your knowledge - £5,000 in anyone period of insurance (not available if the building is unoccupied)
Damage caused by malicious persons authorised to be in any part of the building is up to BSI subject to a satisfactory tenant's reference, otherwise cover is limited to £5,000, excluding buildings occupied by Asylum Seekers
Optional Extras
Option to extend Property Owner's Liability to £5,000,000 LOI
Differing degrees of cover available when unoccupied (See document below for further details)
