Residential Landlord Insurance
Summary
Residential landlord insurance is a comprehensive policy offered at very competitive rates, and is underwritten by leading UK insurers including RSA, Sterling Insurance, Equity Redstar and Zurich.
Landlord Buildings and Contents
Buy- to-let property insurance rates for professional working people start at just £1.20 per £1,000 sum insured, but may be less, subject to the size of your portfolio. Landlord insurance quotes will suit the private landlords for any type of let, including properties let to: professionals, students, DSS and unoccupied properties. Further we provide comprehensive cover for UK Holiday and Second Homes.
It is FAST and EASY to get a NEW quote, it is FREE, and GUARANTEED to be competitive, and will save YOU money.
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Policy benefits
Rentguard landlord insurance policy covers all the standard perils, as well as providing the following cover for residential buy-to-let properties of all types in the UK:
- Cover for houses, bungalows and flats
- Commercial and residential combined
- Loss of rent cover is 30% of the buildings sum insured
- Property owner's liability starting from £5,000,000
- 45 day unoccupancy clause
- Contents cover up to £40,000
- Insurance cover is 'new for old'
- Policy excess for professional lets: £100 for buildings and £50 for contents
- Policy excess for non-professional lets: £250 for buildings and £50 for contents.
Landlord insurance explained
Buy-to-let insurance is not a legal requirement but it is highly recommended. The choice of landlord insurance is great but with long standing experience, professional reputation and long running expertise, we believe we can provide property investors and landlords with the most comprehensive and competitive landlord household insurance quotes available in the market today.
Depending on a wide range of insurers, your requirements and let property details, we will tailor the cover of your buy-to-let property insurance accordingly. Generally the cover provided by insurers is for perils like fire, lighting, flood, earthquake, subsidence, riot, escape of water, ground heave or land slip, theft and malicious damage. Getting the right landlord insurance is a necessity as the standard residential home owners insurance does not cover as many risks and is not specialised enough. When it comes to property owner's liability, this is included as standard in the landlord insurance cover.
Property owner's liability provides cover against any claim that may arise due to your tenant getting an illness or injury which occurs within rented property. We advise you to carefully read policy terms and conditions together with complete quotation details prior to proceeding with any insurance cover.
Whether rented or not, any buildings and contents are subject to a considerable risk of damage or unexpected incidents, however rented properties tend to carry such risks most frequently. After all renting means that you are probably letting a complete stranger use your property. Buying a property to live in, or to let out, tends to be one of the biggest investments one will make.
Therefore getting adequate buy-to-let insurance to secure such an investment should be of paramount importance. We offer a wide range of all-rounded and competitively priced landlord insurance, so why not get your buy to let investment protected comprehensively? Our range of rented property insurance covers properties of all types & sizes. What's more, cover also includes accidental damage, public liability and loss of rent as standard. The residential landlord insurance covers buy to let properties regardless of their location anywhere in the United Kingdom, so why not get a quote for landlord building and/or contents insurance?
Own more than one buy-to-let property? We also provide buy-to-let insurance for property portfolios, which allows landlords to insure multiple buy-to-let properties under one easily manageable and greatly discounted landlord insurance portfolio policy. Property additions and other amendments to portfolio landlord insurance policies are offered at a time saving pro-rata basis, and renewed on a convenient single annual renewal date.
Needless to say, portfolio landlord insurance accommodates all types of tenancies, and can combine other types of property insurance including buy-to-let insurance for commercial properties, UK holiday homes, tenant contents and landlord insurance for empty or unoccupied properties.
Landlord contents insurance explained
In order to avoid unexpected risks we also recommend landlords to insure the contents of their let property. Generally such unexpected risks involve, fire, theft and may affect rented contents that are owned by the landlord including curtains, carpets, ?white? goods or other furnishings and appliances.
Tenant contents will need to be insured under a separate tenant?s contents insurance policy. The cost of the landlord contents insurance premium will generally depend on the insured contents value and is normally added optionally on top of the landlord buildings insurance policy, but can also be purchased completely separately. It is worth mentioning though, that in many instances purchasing combined buildings and contents landlord insurance may attract financial savings. So for your complete peace of mind why not take out comprehensive buy-to-let insurance covering both buildings and contents.
Advantages of buying Rentguard Landlord insurance
- Landlord insurance cover tailored according to your specific needs
- Underwritten by the leading UK insurers including RSA (formerly Royal and Sun Alliance), Sterling Insurance, Equity Redstar and Zurich.
- Cover for properties of various types let such as professional individuals, families, students, and asylum seekers, unoccupied properties awaiting an acceptable tenant, sale or undergoing renovation and DSS tenants, who currently receive unemployment benefit, housing benefit or disability benefit.
- Instant insurance quote, immediate cover and swift documentation delivery either online or by post.
- Range of buying options ? get your buy-to-let insurance quote and purchase online or call our dedicated team of customer services who will guide you through your particular landlord insurance requirements. Quote for landlord building insurance & landlord contents insurance combined to make savings on your buy-to-let policy.
- Several payment options including one-off annual payment or spread the cost over several months with Direct Debit.
- Great financial savings and reduction of administration with portfolio insurance for multiple properties. Insure all your investment properties under one buy-to-let insurance policy with one renewal date and an option to amend or to add other properties pro-rata if necessary.
If you are looking for a competitive rented property insurance quote for landlords building insurance and/or landlords? contents insurance on ANY residential buy-to-let property, quote and buy online 24/7 and our dedicated UK based team will do our best to provide you with a suitable landlord insurance policy at extremely competitive rates.
Please note that the above information provides a summary only. For full policy terms and conditions please see the policy wording document. Terms & Conditions should be fully read and understood prior to taking out the policy.
It is FAST and EASY to get a NEW quote, it is FREE, and GUARANTEED to be competitive, and will save YOU money.
You are a few SIMPLE steps from a
This insurance is arranged and administered by RGA Underwriting Ltd
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