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Let Property Insurance for Occupied Properties

The importance of covering yourself with Landlords Let Property insurance cannot be underestimated in the UK. Floods, theft, accidental damage and many other worst-case scenarios can happen when you least expect.

Our instant online quote system can give you a comparison of some of the best policies for coverage and price in the UK. You can buy online today and not only save money but give you the reassurance that only quality shop insurance provides.

What is Landlord Insurance?

Landlord insurance is an insurance policy designed to protect property owners who rent out their properties to tenants. It provides coverage for various risks and liabilities associated with renting out residential properties. Landlord Insurance is essential for property owners to safeguard their investment and mitigate financial losses in case of any unexpected events. Here are some key components and aspects for your policy to consider:

Building Insurance:

  • Covers the structure of the property, including walls, floors, roof, and fixtures.
  • Protects against risks such as fire, flood, storm damage, vandalism, and other structural damages.

Contents Insurance (Optional):

  • Covers the landlord’s contents within the property, such as furnishings, appliances, and other personal property they own.
  • Tenants are responsible for insuring their own possessions.

Liability Insurance:

  • Provides protection against claims made by tenants or third parties for injury or property damage caused by the property.
  • This can include accidents within the property that result in injury to tenants or guests.

Loss of Rent Insurance:

  • Covers the loss of rental income if the property becomes uninhabitable due to covered perils, such as fire or flood.
  • Helps landlords continue to meet financial obligations even if the property is temporarily unoccupied.

Legal Expenses Insurance:

  • Covers legal costs associated with disputes between landlords and tenants.
  • Includes eviction costs and legal representation in case of legal actions related to the property.

Alternative Accommodation Cover:

  • Provides coverage for the cost of temporary accommodation for tenants if the property becomes uninhabitable through an insurable peril.

Special Considerations for Scottish Landlords:

  • In Scotland, there are specific regulations and legislation related to landlord responsibilities and tenant rights. Insurance coverage may need to align with these regulations.

It’s important for landlords to carefully review and understand the terms, conditions, and coverage limits of their insurance policy. Additionally, compliance with relevant landlord and tenant laws in Scotland is crucial. Working with Scottish Landlords Insurance can help landlords find a policy that suits their specific needs and ensures compliance with local regulations

We are able to offer terms for the following:

  • Properties let direct to council
  • Properties let direct to housing associations
  • Bed sit type properties
  • Multi-tenanted houses/flats
  • Asylum seeker tenants
  • Short-term lease
  • DSS benefit recipients.
  • Student tenants
  • Professional and retired tenants
Get an Instant Quote

Is your property unoccupied?

Unoccupied property owners insurance is tailored for properties without current occupants. Regular homeowner or landlord policies often exclude or limit coverage for such properties when unoccupied for 30 days or more. Unoccupied properties face higher risks like vandalism, theft, and damage. Get an instant quote now.

Unoccupied Let Property Insurance
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