We are able
to provide information on insurance policies for both
landlords and tenants, including the following -
Buildings Insurance
Covers the rebuilding of your property following loss
or damage caused by fire, aircraft, smoke, malicious
persons (including tenants), accidental damage to
bathroom fixtures & fittings and glass, lightning,
explosion, collision or impact, falling trees and
earthquake, theft (by forcible means), subsidence,
riot/civil commotion, storm, flood, escape of water
or oil leakage and loss of rent up to 20% of the sum
insured following damage. Also includes property owner's
liability.
Limited Contents Cover
Where the property is let unfurnished limited contents
cover is available; this provides up to £5000 cover
for the following items: Carpets, Curtains, Sun Blinds,
Light Fixtures & Fittings, and Kitchen White Goods.
Cover is on a new for old basis. Also includes landlord's
liability.
Contents Insurance
Cover on a new for old basis for loss or damage caused
by fire, aircraft, smoke, malicious persons, lightning,
explosion, impact, theft (by forcible means), subsidence,
riot/civil commotion, storm, flood, escape of water
or oil leakage, breakage of mirrors or glass in furniture,
replacement of locks following theft of keys, and
loss of rent up to 20% of the sum insured following
damage. Also includes landlord's liability.
Legal Expenses
You may be unable to collect the rent, your tenants
may damage or remove your personal possessions, or
they may cause a nuisance to your neighbours. All
these problems can be resolved by legal action but
this is expensive. This cover includes all of your
legal expenses up to £50,000. There is no policy excess
to pay.
Rent guarantee
This policy provides total peace of mind for landlords.
Cover includes the rent you are expecting from your
property until vacant possession is obtained for up
to 12 months (excluding the first month's lost rent).
Additionally, cover includes 50% of the rent for up
to 3 month's after possession is obtained whilst a
new tenant is found. All related legal expenses are
included.
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