Landlords Buildings & Contents Insurance

Cover and benefits:

• Nil, £250 or £500 excess options available (a policy franchise of £100 is in place for £250 or £500 excess)
• Up to £500,000 buildings sum insured as standard (up to £1 million on request)
• Buildings Accidental Damage included as standard – no charge!
• Landlords Legal Liability cover up to £5 million
• Trace and Access up to £5,000
• Malicious & Accidental Damage by tenant option
• Up to 20% of the Building sum insured for any loss of rent or the cost of alternative accommodation, following an insured event.
• Up to 90 days unoccupancy.
• Contents cover up to £50,000 sum insured.
• Replacement of locks for external doors if the keys are lost or stolen, up to £1,000.
• NIL Excess Home Emergency cover option (unlimited claims).
• Covers for perils such as: storm, flood, subsidence, escape of water or oil, fire, earthquake, theft, and malicious damage by third parties.

Exclusions and Limitations:

This will not cover:

– General wear and tear or any other gradual deterioration

– Exclusions apply where the property is left unoccupied for more than 90 days in a row

– Loss or damage occurring prior to the commencement of the policy start date

– Loss or damage arising from faulty or defective workmanship, designs or materials

The above is not an exhaustive list, please refer to the Policy Wording for full details.