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Buy to let insurance
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Overview

Buy to let insurance is required by landlords to insure their buildings and contents. Since a normal home insurance policy is not adequate when the resident is not the owner, a buy to let insurance policy must be purchased instead.

Covers Provided

The three main covers provided by a buy to let insurance policy are:

  • The Buildings : (the sum insured must equal the rebuilding cost, which may be more or less than the market value)
  • The Contents : (Only the landlord's contents can be covered. The tenant need to arrange cover for themselves.
  • Property owner's liability : (provided automatically with the buildings cover)
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Key Facts | Policy Wording

As well as single buy to let property, quotes are available for landlords with a portfolio - enabling 5 or more properties to be insured together. Rates are available online with substantial savings over multiple single property quotes - although we must be contacted to arrange cover.

Types of Tenants we can cover

Our buy to let insurance products can cover:-

More about the insurance policy

Our preferred buy to let insurance policy is underwritten by SAGIC - Salvation Army General Insurance Company - A highly ethical company whom we have found provide not only cheap rates but also excellent claims service. As well as a low excess (75.00 with a 150.00 or 250.00 option) accidental damage is available for all tenancy types.

Example rates

Premiums start from 79.82 to insure a property with a rebuilding cost of 100,000 anywhere in the UK except the London Area. Naturally premiums increase if the property costs more to rebuild, if a lower excess is required, and if the landlord has had claims or the tenancy agreement is not between the landlord and the tenant.

Duty to disclose Facts under any contract of insurance

Please read this IMPORTANT NOTICE about requirements. We accept no liability for any loss that occurs due to your failure to comply.

If  help or assistance is needed please use 01388 607140 to call us and we will discuss your needs.

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