Residential Property Owners Let Protect

Scheme: Let Protect

Up to £4,000,000 Buildings Sum Insured
Wide Range of Tenancy Types & Risk Profiles
FREE £5,000 Contents Cover when occupied
FREE Accidental Damage Cover*
FREE Loss of Rent (Up to 20% of the Buildings Sum Insured)
Strong Appetite for Portfolios

*Unless occupied by DSS Referral / Asylum Seekers or Unoccupied

Our Residential Let Protect product is underwritten by Ascot Group’s Syndicate 1414 at Lloyd’s and is suitable for residential property owners who own a property* that is either let out to tenants, used as a holiday home, used as a second home and/or is unoccupied. (*House, Single flat or block of flats/apartments).

This product provides insurance cover for buildings, contents, loss of rent/alternative accommodation and property owners’ liability insurance. In addition, the following covers can be added onto the residential let product: legal cover, rent guarantee, emergency assistance and/or terrorism cover.

The product is not suitable for properties situated in Northern Ireland.

Features and Benefits

  • Alternative Accommodation – Up to £150,000
  • Property Owners’ Liability – Up to £2,000,000 LOI
  • Up to 90 days Unoccupancy Period*
  • Illegal Cultivation of Drugs – Up to £5,000
  • New for Old Contents Cover
  • Trace & Access – Up to £5,000
  • Index Linking
  • Loss of Metered Water – Up to £5,000
  • Unauthorised Use of Utilities – Up to £5,000
  • Landscaped Gardens (Damaged by Emergency Services) – Up to £5,000
  • Accidental Damage to Cables or Underground Services Pipes
  • Removal of Wasps & Bees Nests – Up to £1,000

*Days allowed before property needs to be rated as unoccupied

For further information on Limits and Exclusions please click here to download the policy documentation

Optional Extras

  • Accidents to Domestic Staff
  • Emergency Assistance
  • Legal Expenses
  • Rent Guarantee
  • Terrorism Cover
  • Increase Property Owners’ Liability to a £5,000,000 LOI

Insurer Rating


AM Best


Ascot Group’s Syndicate 1414 at Lloyd’s