Landlords Insurance - Frequently Asked Questions
We accept self contained dwellings let to single occupants, couples, bedsit accommodation with shared facilities and houses in multiple occupations (HMO’s). We can also insure most commercial and part-commercial let properties at competitive rates. Quotations for commercial let properties are not currently available online, please
phone or email us. Hostel and B&B type properties,
care homes, nursing homes and properties catering for specific disadvantaged, vulnerable or problem occupants cannot be insured on the scheme policies, but we may be able to offer a quotation on an individual basis.
No, such items are automatically included within the definition of 'buildings' in our landlords policies and there is no need to arrange separate landlords contents insurance in these circumstances.
No, you can arrange landlords contents insurance for whatever figure is appropriate, provided we are also insuring the Building on the same policy.
Yes, you should consider insuring for your liability as a landlord, for any Contents you may have in the property and for your Loss of Rent following damage.
You can get guidance on rebuilding costs at the
BCIS website, but you should seek professional advice if unsure of the correct figure.
Insurance is usually offered from exchange, but you should be guided by your solicitor on the exact date.
We offer a range of competitive credit facilities via
Premium Credit Limited. However when you first join our landlord association block policies you may only be paying a pro rata premium to the next common renewal date. Consequently, credit facilities may only be available of the next renewal.
Full cover will operate for a period of up to 90 days, subject to you taking certain precautions. Please refer to the Summary of Cover or Specimen Policy Wording for precise details of the precautions.
Providing that your tenancy agreement is directly with the tenant, unemployed persons, students, and those receiving housing benefit are all acceptable.
Insurers will need to see of a structural engineers report and details of any remedial work. Once there details have been received by the Insurers they will confirm the cover to be offered. Until a report is received, we will be able to cover the property but subsidence cover will be excluded.
Occasional claims are acceptable at normal terms. When you request an online quotation you will be asked for details of relevant claims.
Alan Boswell Insurance Brokers Limited, Alan Boswell Insurance Services Limited and Alan Boswell & Company Limited are authorised and regulated by the
Financial Services Authority.
