Landlords insurance for buildings and contents may include as standard:

  • loss or damage arising as a result of fire, storm, flood, falling trees, theft, malicious acts or vandalism
  • your loss of rent or for providing alternative accommodation for the tenant following damage caused by an insured event.
  • legal liability as owner of the buildings for causing injury to others or for damage to their property
  • home emergency cover – for call-outs or repairs if you have an emergency.

 

Contents only cover is only available in circumstances where the buildings is tied to another insurer, such as in the case of a leasehold flat.

 

Landlords Insurance additional cover options

You can tailor your policy with the following optional cover:

  • buildings accidental damage and malicious damage by tenants to cover you for incidents such as banging a nail through a pipe or putting a foot through the ceiling whilst in the loft and malicious damage by your tenants.
  • contents accidental damage and malicious damage by tenants so you don’t have to worry about things such as spills on carpets and malicious damage by your tenants.
  • legal expenses, rent guarantee and eviction of squatters cover insures you for irrecoverable costs and fees to pursue or defend claims involving breach of tenancy agreement and unpaid rent.

 

Please note that Landlords Insurance is designed to cover certain unforeseen events and doesn't cover everything. It does not cover things like general wear and tear or damage that happens gradually over a period of time. There is also an excess on each claim.


KW Mortgage Services Ltd is an appointed representative of Advance Mortgage Funding Limited trading as PRIMIS Mortgage Network which is authorised and regulated by the Financial Conduct Authority. PRIMIS Mortgage Network is only responsible for the service and quality of advice provided to you in relation to mortgages, protection insurance and general insurance products. Any other product or service offered by KW Mortgage Services Ltd may not be the responsibility of PRIMISMortgage Network and may also not be subject to regulation by the Financial Conduct Authority. Head Office & Registered Office: KW Mortgage Services Ltd, Sladen Wood Mill, Todmorden Road, Littleborough, Lancashire, OL15 9EW.

The Financial Conduct Authority does not regulate some forms of Buy to Let Mortgage.

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