Dedicated Landlord Insurance
We understand that as a landlord, property investor, or developer, your focus is on your business, and sourcing the right insurance for what could be a range of different property letting types isn’t the best use of your time (and let’s be honest, it often gets forgotten about)! This is where our dedicated landlord insurance team can make life easier for you.
Using our considerable experience, we can recommend exactly what kind of insurance you need and make it as simple as possible for you to compare your options. But we also ensure that you are comprehensively covered at the most favourable premium.
We have a close working relationship with a panel of reputable specialist insurers, who understand the needs of landlords and the ups and downs of the let property market.
Everything is personalised to your unique circumstances, and you’ll be working with a personal broker (we are not a call centre) who is keen to get the best outcome for you! And if you ever need to claim your landlord insurance, we will handle most of that process on your behalf.
What’s generally included in Landlord Insurance cover?
The key areas of cover you would expect in standard landlord insurance cover are crucially Buildings, Contents (which will include carpets, curtains, and white goods, as well as larger furnishings and furniture), Property Owners Liability, Loss of Rent (due to the property being uninhabitable), and Legal Expenses.
Additional covers such as Terrorism, Management Liability, Contract Works, Environmental Liability and Employers Liability can also be offered.
Landlord Insurance for Residential Property
Regardless of your portfolio size, our team are experienced in sourcing competitive premiums across all residential property types, including:
Standard buy-to-let & HMOs
This includes (but is not limited to), Buy to Lets, HMO’s, bedsits with cooking facilities in rooms, and small converted houses. In addition to this, we can also provide cover for the full range of tenant types, including working professionals, students, benefit-assisted, social housing, serviced accommodation, and asylum seekers.
Serviced Accommodation and Holiday Lets
The increase in staycations in recent times has seen a huge leap in the number of properties let out on a short-term basis. We have unique landlord insurance solutions and access to specialist Holiday Home Policy Wordings for this scenario, regardless of whether the lettings are handled by an agent (such as Airbnb and Booking.com) or privately by the owner.
Blocks of Apartments and Flats (converted or purpose-built, we have access to specialist block insurance)
Whether the building is converted or purpose-built, we have access to specialist block insurance policies, covering a wide spectrum of blocks of flats and apartments.
Recent changes in legislation have, in some circumstances, made it particularly difficult to source insurance for certain construction types, especially where cladding is present. With experience and knowledge in this area, we will always strive to provide the best advice and recommendations with the view to accommodate your needs, where we can.
Listed Buildings
With access to specialist insurers who understand the unique considerations when it comes to restoring both Grade I and Grade II listed buildings, we can ensure your buildings are covered correctly and adequately.
Landlord Insurance for Commercial Property
With a successful history of working with a multitude of Commercial clients, we are well equipped to source the landlord insurance protection you need. This includes specialist markets to cover anything from basic shops and offices to more complex properties, such as industrial units, hospitality venues, and multi-tenure facilities (and everything in between).
Whether purpose-built or converted, whether a single let or a portfolio, our team can help you secure the protection you need from your commercial landlord insurance.
Non Standard Landlord Insurance
Whilst there is a strong ‘standard offering’, our services and expertise are not limited to the ‘vanilla’ type risks. Having worked with investors for many years, we pride ourselves on keeping up with investment trends and strategies. As such, we have tailored a suite of products to suit most landlord insurance needs.
This will include, but again, is not limited to:
Why Choose us For Your Landlord Insurance?
Our clients tell us there are many benefits to working with us:
Expertise
The team is headed up by Jayne Wilson, affectionately known within the industry as The Property Lady! Jayne’s knowledge of landlord insurance and the property sector is second to none. She sets a high bar in delivering the best for clients and has built a team around those expectations. It’s this level of professionalism and delivery that underpins our stature with landlord insurance providers.
Relationships
Our clients repeatedly tell us that one of the biggest benefits of working with us is their relationship with their C&C contact. We take the time to understand our clients and their business as a landlord: their goals, their challenges and the specific market they operate in. Having this consistency of contact means clients don’t feel like they’re starting at the beginning again at renewal time or when initiating a claim.
In-house Claims Team
Should the worst happen and you need to claim on your landlord insurance, our in-house claims team will be with you every step of the way. They take the lead in the process and manage as much interaction with the insurers and loss adjusters as possible. They can challenge, chase up and champion your case all on your behalf. Having our team in your corner at such a difficult time brings immense peace of mind to our clients.
CONTACT our team to see what other products, property and tenant types we can provide cover for 0161 406 4800
Rebuild Cost Assessment
The importance of building sum assured and reinstatement values has never been more important and yet is often forgotten or misunderstood. Inflation and rising energy costs have pushed material and labour costs considerably higher than allowed for on some policies. This effectively leaves many landlords under insured, which could be catastrophic should a rebuild ever be required.
For example, if a policy allows for a rebuild of £250k but would now actually cost £500k, an insurer would regard the policyholder as being underinsured by 50%, so may only pay out £125k. This would leave the property owner in need of a further £375k to fund the rebuild.
We have access to facilities to calculate the costs of reinstatements and obtain a realistic value for both commercial and residential properties. Please get in touch with us if you would like us to a calculate a reinstatement value for you (a small fee applies).
Please note these services are not regulated by the Financial Conduct Authority. In addition, these services do not benefit from the protection offered by The Financial Ombudsman Service or the Financial Services Compensation Scheme
