Policy Sections

Cover Clauses
Material Damage
Buildings - Extensions
Buildings - Exclusions
Contents - Extensions
Contents - Exclusions
Glass. Blinds and Signs
Loss of Rent
Rent Receivable
Alternative Accommodation
Public Liability
Public Liability Exclusions
Employers Liability
Employers Liability Exclusions
General Exclusions and conditions
Making a claim

A Landlords Insurance Policy

Like all insurance policies, a landlords insurance policy consists of several sections. General information about the various sections is included. You must not assume that your policy has all of the sections referred to (and will probably have different terms, conditions and exclusions). If in doubt contact your insurance broker for advice.

Cover Clause

The cover clause defines the event that can cause damage against which insurance is provided. These are further definitions and used to avoid repetition.


Accidental damage
Theft or attempted Theft
Subsidence, ground heave or landslip.

In a normal house insurance policy these covers are usually combined however you should note that a) Theft is not one of the listed perils and b) Subsidence is shown separately. For residential landlords subsidence is usually included automatically (with a high excess) as mortgage lenders insist on the cover. For commercial property owners subsidence is usually an optional extra.

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News For Landlords

Articles found in the news that related to landlords.

Guardian against Buy To Let Market

Rightmove forecast increase in Landlord Market

Landlords warned of high mortgage fees

Portwoods announce cheaper landlord insurance available.

Lending to landlords increased by 19%

Dangers of rogue letting agents

Reduction in private rents

LibDems extend mansion tax coverage

Massive increase in B&B provision for tenants as landlords reject DSS applicants

Foreign Investors buying up property - increasing cost for prespective landlords.

Oxford clamps down on rogue landlords breaking HMO rules.

Landlords to beenfit from reduced CGT rates?

Nationwide pulls plug on mortgages for housing association tenants.