Landlords Insurance
Protecting your Buy to Let property in case of damage caused by unforeseen circumstances
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Protecting Your Investment Property
Not only is buildings insurance for your buy to let investment likely to be a mandatory insurance required by your mortgage lender, it is an important policy that is used to protect your the building itself in the event of any unexpected circumstances, which might make it unsuitable for tenants to live in or could end up significantly impacting its value.


Landlords (Building) Insurance
What Type of Protection is Available?
Whilst the list is not exhaustive, some common situations that buildings insurance can provide protection in the event of include fire, flood, subsidence and vandalism. Damage to bath & kitchen fixtures is also usually included. Most insurers will allow you to enhance the cover through optional extras.
We have listed some of them below & will be happy to advise you on a policy that meets the mandatory requirements of your mortgage lender whilst giving you the peace mind that your house & its’ contents that you provided to the tenants are protected.
Structure
To cover loss or damage to your buildings caused by certain events such as fire,
storm, flood, theft, escape of water, malicious damage and vandalism.
Underground Infrastructure
To cover loss or damage
caused by accidental breakage of drains,
cables and underground pipes
Burst Water Pipe
To cover damage to the building caused by burst water pipe. Damage to batch & kitchen fixtures is usually also included.
Legal Costs & Liability
To cover sums you are legally liable to pay as the owner of your property.

Enhance Your Cover. For a Greater Peace of Mind.
Here are some common add on’s that can be added to your landlords insurance to provide a more comprehensive cover.

Landlords Contents Cover
Loss of Rental Income
Legal Expenses Cover
House in Multiple Occupation (HMO) insurance
Home Emergency Cover
Buildings Insurance & Your Mortgage
If you are purchasing a property, you will usually need to ensure that you have building cover in place at the point of exchange of contracts to provide to your mortgage lender.