Landlord Commercial Building Insurance

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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 require borrowers who have a commercial buy to let mortgage with them have commercial landlord insurance in place.

Landlord commercial building insurance

If you are looking for a landlord commercial building insurance policy, you must shop around for the best deals that provide the right level of coverage for you by scrutinising different landlord insurance quotes.

Landlord buildings insurance will cover the property’s physical structure and any permanent fixtures.

The amount of cover 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

However, you may find that it is more common to find a commercial landlord insurance policy.

Commercial landlord’s insurance policies commonly allow you to insurance multiple lettings.

They also normally provide buildings cover and 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 regarding 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 flat roof policy that requires the landlord to have the roof professionally serviced and maintained regularly.

Using our quote comparison service, you can get a wide range of 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 kinds of commercial buildings.

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