Landlord Commercial Building Insurance

Landlord commercial buildings insurance is an important safety net not just for you but also for the tenants you rent out your property. Many mortgage providers make it a requirement that borrowers who have commercial buy to let mortgages with them have commercial landlord insurance in place.

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Landlord commercial building insurance

 

If you are looking for a landlord commercial building insurance policy it is important that you shop around for the best deals that provide the right level of coverage for you by scrutinising different landlord insurance quotes, with the table below you can see a selection of links which will be able to provide you with quotes. Landlord buildings insurance will cover the physical structure of the property itself and any permanent fixtures, such as baths.  The amount of cover that you will need will equate to the total cost of rebuilding the commercial property from scratch, including the cost of surveyors.

 

When looking at commercial buildings insurance as a landlord will mean that you are protected from having to pay the full cost of damage caused to the walls, each policy varies but may provide cover for the following:

  • Thefts or attempted break-ins
  • Weather conditions such as floods, storms earthquakes and particularly intense lightning
  • Fires and explosions
  • Vandalism and malicious damage
  • Subsidence
  • Pipes freezing or bursting
  • Impact by vehicles
  • Glass and locks replacements

 

You may find however that it is more common to find a commercial landlord insurance policy, commercial landlord’s insurance policies commonly allow you to insurance multiple lettings, and they also normally provide buildings cover along with many other types of landlord insurance within the same policy.

 

Additional things a commercial landlord policy may cover include:

  • Loss of rent cover
  • Legal expenses cover
  • Landlord’s liability cover
  • Contents cover
  • Unoccupied buildings cover

 

They may also offer optional extras you may want to consider such as:

  • Employer’s liability cover
  • Alternative housing cover
  • Terrorism cover
  • An extension of the amount of public liability cover provided
  • Unauthorised use of gas, water and electricity cover

 

There are a few things to remember when looking for a landlord commercial insurance policy:

  • Every policy will differ slightly with regards to what is included and what is excluded, with some policies not including damage caused by sonic booms for example
  • The more excess you pay will mean lower premiums
  • Insurers will differ with regards to the discounts offered, some may offer a discount particularly for online applications
  • Most landlord insurance providers will allow you to transfer pre-existing no claims bonuses to a new policy
  • Some insurers might have a policy flat roof policy which requires the landlord to regularly have the roof professionally serviced and maintained

 

Using the table above you can use the comparison table above to get quotes from a selection of companies, to help you try and find the best policy for you, whether you let shops, warehouses, factories, offices or a mixture of different kind of commercial buildings.