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Useful Info

A Guide to Landlord Insurance

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Take the time and hassle out of getting landlord insurance quotes

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Multiquote Landlord Insurance
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Get your landlord insurance quotes in the easiest way possible

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Multiquote Landlord Insurance

A Guide to Landlord Insurance

If you own property it’s essential to protect it by getting a good landlord insurance policy. Landlord insurance is very highly tailored to the individual’s needs since no two landlords have the same portfolio. When insuring your buy to let property it’s extremely important that you understand where your biggest risks come from so you can get the right level of cover. It’s also extremely useful to know how you can reduce the cost of your insurance since it can soon add up, especially if you’re insuring a large amount of property. One this page you’ll find an explanation of the different types of cover you can get, what factors determine cost and how you can save money on landlord insurance.

Types of Cover

  • Building Insurance – This is typically the cornerstone of any landlord insurance policy. If you own buy to let property then you’re legally obligated to have building insurance in place. This will cover your buildings in the event of structural damage that might occurs from fire, flooding or extreme weather conditions. It can be very costly to repair buildings, especially when extensive damage occurs so building insurance is always a must-have.
  • Contents Insurance – If you let your property with a lot of contents and furnishings then contents insurance is always a good idea. Typically contents insurance will cover you for theft or accidental damage. Certain types of contents may not be covered in some policies so always find out exactly what you’ll be covered for when taking your policy out.
  • Unoccupied Property Insurance – If you own a large number of properties then there’s a good chance that they’ll be times when they’re unoccupied for longer periods of time, whether it’s because you cannot find tenants or you’re having the property renovated. In either cause you’ll need to get unoccupied property insurance for the property.
  • Public Liability – Liability claims are much more commonplace now than they were in the past so every landlord should strongly consider having public liability included in their policy. Liability claims can come from members of the public or your own tenants. For example, if part of your building needed to be repaired and debris fell on a passer by, causing injury or even death, then you would be liable and would likely have to pay out a good deal of compensation. Having public liability will prepare you for such a scenario.
  • Legal Fees – If you were to face a liability claim then you’d need to hire a solicitor to fight your corner. The expense of doing this can add up very quickly so it’s definitely recommended that you have legal fees included in your policy too.

Determining Cost

There are a few key factors that will determine the price of a landlord insurance policy. These include –

  • Number of Properties – Of course the number of properties you want to insure on your policy is going to impact on the cost. Factors such as location and security will all be taken into account too but more properties equals more risk from an insurers point of view so if you have extensive portfolio that you want to insure under one policy then the number of properties you have will certainly affect cost.
  • How Secure the properties are – This is a big factor in how cost is determined. If your properties have minimal security then the chances of them being broken into are much greater and as a result you will pay more for your insurance. This being the case, it’s always recommended that you make your properties as secure as possible by fitting alarms, CCTV and making sure they’re not left unoccupied for extended periods of time.
  • Level of Cover – The more options you have included in your policy, the greater the cost will be. It’s a goo idea to look at where the biggest risks come from and prioritize accordingly.
  • The Area the Properties are in – The area that your property is in will also affect the cost of your policy. If you have property in a high crime area then the risk of it being broken into or vandalized are higher and therefore you can expect to pay more for your insurance.

Saving Money

  • Pay Upfront – When you’re taking out a policy, insurance providers will prefer if you make as big a down payment as possible and in most cases will offer you a significant discount for doing this. Although this is not always feasible depending on how much property you’re insuring, paying up front will put you in an excellent position to negotiate a better price for your policy.
  • Secure Your Properties – You should always make the effort to make your properties as secure as possible. Installing CCTV, security lights and alarms can have a big impact on the cost of your insurance. If you have purchased new property that you expect to be unoccupied for a decent period of time then you should definitely consider getting unoccupied property insurance to protect against risks such as theft, vandalism and squatters.
  • Shop Around – This is the most obvious way of ensuring that you don’t pay more than you should. Getting quotes for landlord insurance is now incredibly easy so there’s no excuse for not shopping around. When you get quotes from different insurance providers, you can easily compare them and see which provider offers you the best policy at the best rate.

Get Quotes Now

Getting quotes is a very quick and easy process as well as a great way of saving money on landlord insurance. When you click the red button below you’ll be taken to the quote form. After filling in some information about yourself and your properties you’ll then have access to quotes from a panel of landlord insurance specialists.

Once you have your quotes, you can them look through them and compare them for features and price. Doing this makes it so much easier to get your landlord insurance sorted and have full peace of mind that your properties are fully protected and you’ll be compensated if anything were to happen.