Landlord Insurance Cost

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Having a level of landlord insurance place that compressively covers your specific circumstances important whether you let out one property or many, having at least landlord’s buildings insurance in place might even be a requirement of your buy to let mortgage with certain lenders. But you may be wondering what will landlord insurance cost? You can use the comparison table below to view links to a variety of landlord insurance quote providers so you can see what it may cost you.

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YesyesGet QuotesPRICE GUARANTEE - beat any renewal quote on like for like cover.* Find cheap landlord insurance - Fast online quotes - multi property insurance - loss of rent cover - all tenant types coveredGet Quotes >
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YesyesStandard Cover Up to £2m Price Beat Guarantee New Customers Only. Cover on an equivalent basis to ours. Qualifying Criteria Apply. Underwritten by U K Insurance Limited.Get Quotes >
YesyesGet QuotesCompare the best prices and policies for landlords. Quick quotes with all risks and multi properties covered by our UK insurance providers.Get Quotes >
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YesyesCover Up to £2mWe cater for all types of Landlords Building Insurance. Multi-Quote's available, buy online now.Get Quotes >
YesyesGet QuotesGet quotes instantly and find the cover you need at a price that suits you. Immediate cover available. Arranged by Arthur J. Gallagher Insurance Brokers Limited who source products from a panel of insurers, ensuring you get the right cover at a competitive price.Get Quotes >

*New customers only. Minimum premiums apply. Proof of alternative quote may be required. Based on the same level of cover.

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Landlord insurance cost can be affected by many criteria, aside from whether you want residential or commercial landlord insurance things like; the type of building you let, whether a building has a slate, tiled or flat roof, and the tenancy type you offer can all affect how much your landlord insurance will be.

 

The type of landlord insurance policy you opt for will also affect the price, some policies offer many features as standard while others will require you to pay more as an optional extra for certain types of cover. You should therefore think beforehand about what you feel you want covered in a landlord’s insurance policy, and consider that it might be worthwhile paying higher insurance premiums to ensure you have a level of cover that you are happy with and fulfils your specific requirements.

 

Features or optional extras you might see on a policy include:

 

Buildings cover

This is usually the most basic level of insurance available for landlord. It will provide cover for the buildings physical structure and possibly permanent fixture such as showers and other item of plumbing as well as fitted lighting. This policy should also cover how much it would cost to clear the land and rebuild the property if it was destroyed by an insured event.

 

Contents cover

If you let a property as fully or partially furnished you may wish to consider insuring the contents you provide. Landlord’s content insurance could, depending on your policy provide cover for all of the items of furniture, white good and appliances and furnishings such as carpets that you provide.  It will not provide any cover for your tenants’ possessions however who would need to get their own contents insurance for their items if they wished to.

 

Landlord liability insurance

If a personal injury claim was made by a tenant or a visitor to one of your properties having liability insurance in place would be able to cover your legal costs, if you were found to be at fault for the personal injury it would also cover the costs for the claimant’s compensation and legal costs.

 

Loss of rent cover

If an insured event meant you could not rent out your property for a period of time then a loss of rent policy might be able to reimburse you the loss of income you sustained as a result.

 

Landlord emergency cover

Some unexpected things like gas leaks constitute an emergency and need to be quickly resolved. A landlord emergency cover policy can help you get a skilled tradesman to the property to make it safe following an insured incident. Some policies may provide emergency contact phone numbers which either you or your tenant can call to send over an approved contractor 24/7.