Home Insurance for Buy to Let properties
Please use our call-back facility to request a free
As insurance brokers we have a range of policies available to
insure homes purchased to let out to tenants. Since many factors are involved,
we find it best to discuss your situation and needs directly prior to surveing
the products we have available. To request a call-back, click on the 'Houses'
drop-down menu and complete the very simple request form - or call us on 01388
Let us call this home let insurance.
Home let insurance is designed for landlords who own property in which they
don't live. Instead they let the property out to a tenant who rents it
from the owner. Key rating factors of home let insurance are not only the
location and type of home but the type of tenant that is renting the home
from the landlord.
As Insurance brokers B. Portwood & Co
Ltd offer a range of home let insurance products. As some insurance
providers are competitive in different areas and for different tenants, we
have programmed several home let insurance providers rates into our online
quotation system so you can be sure to obtain a cheap home let insurance
Rating factors for home let insurance
Cover available under a home let insurance policy
Unlike some home let insurance
providers, all the policies we offer include subsidence cover and loss
of rent as standard. Policies will also cover damage by the special
perils and accidental damage cover is available in most policies
The first section of a home let
insurance policy is buildings cover i.e. for the bricks and mortar of
the home. The only case when this is not taken is if cover is for a
flat (or several flats in a block) where the management company has
arranged cover for the whole block themselves and cover is only needed
A home let insurance policy will
provide cover for LANDLORDS contents if requested. It will not cover
TENANTS contents which must be insured by the tenant. Unlike a normal
home insurance policy, cover will not usually extend to valuables kept
in the home, all-risks cover is not available and in some case cover
may be indemnity only, not new for old.
A home let insurance will also include
property owners liability (to cover you if for example a chimney stack
fell down and damaged a car)
Other covers will be loss of rent if
the home is uninhabitable.
Further details about the covers
available can be found on the quotation results page - and a full key
facts/ policy document will be sent to you before you buy the policy.
The Policy Excess
With home let insurance, the policy
excess will depend on the insurance company and the type of tenant.
Policy excesses will vary from £100.00
(e.g. professional) up to £250.00 (e.g. Housing Associations)
The excess for subsidence may be £1000
The escape of water excess is £250.00 for
Thank you for visiting our page on home let
insurance. To go back to the quote start for home let insurance just click
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