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Landlords insurance

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Landlord Insurance is for landlords that value their buy-to-let properties. Making sure you have the right insurance to protect and cover your investment is essential.

We search the market to compare quotes so you can get the best policies at an affordable price. Whether you need landlord building insurance or multi-property insurance we will make sure you are well looked after.

Alan Boswell Group can advise you on what cover is needed. As one of the leading suppliers of landlords’ insurance in the UK and winner of Service Supplier of the Year at the Landlord and Lettings Awards twice, we’re determined to ensure that our customer service levels continue to set us apart from the competition.

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The Alan Boswell Difference

Best landlords insurance

With our own landlord insurance products managed in-house, we provide a unique service, with pricing, underwriting and claims primarily managed by us.

Our advice and service has been recognised by the industry and our feedback scores are proof of our consistently high standards.

How our customers rate us

Excellent personal service with a very polite helpful person who listened and did not try and force a sale. Cannot rate highly enough.

Mr Khan - Landlord Insurance

Landlord Insurance

What is Landlords Insurance?

Landlords Insurance provides financial protection to landlords who rent out a property(s) to tenants. It varies from a Home Insurance policy as it covers the increased risks associated with renting a property to tenants. It can include buildings insurance, contents insurance, property owners’ liability, Loss of Rent following a claim and accidental damage. Landlords’ insurance is not a legal requirement, however, it is vital to protect your financial investment.

Do I need Landlords Insurance? 

Landlord insurance is not a legal requirement. However, if you have a mortgage on your property, your lender may require you to take out insurance before you take on tenants.

Whether the property is a short, medium or long term investment, it’s wise to put the correct protection in place. As a landlord, you may be faced with unique challenges and additional financial outgoings to ensure the property is kept up to standard. Having the right insurance in place gives you peace of mind should the worst happen.

Alan Boswell Group has won the best landlord insurance provider award in 2018 and 2019. We offer specialist insurance designed to meet the particular needs of the first-time landlord through to landlords with a portfolio of properties.

We know how complex is it to be a landlord. There is a mass of legislation and regulation to understand, plus the pressure of attracting decent tenants, collecting rent and maintaining the property. We have been insuring property since the company was founded in 1982; our aim is to make your job easier by giving you essential advice on insurance and providing you with competitive protection to help you save time and money when safeguarding your investment.  

How much is Landlords Insurance

Costs for landlords insurance will depend on what level of cover you choose. You may want cover for the unexpected loss of rental income or damage to your buildings or the contents within the property.

Other unwelcome complications and additional costs could come from having to find alternative accommodation for your tenants should your property become uninhabitable.

Every landlord’s situation is as unique as their property, so there’s no ‘one-size-fits-all’ answer when it comes to insurance.

Alan Boswell Group can arrange cover for building and contents insurance, contents only, buildings only, rent guarantee, legal expenses or rent guarantee with legal expenses, as well as portfolio insurance for landlords who own property portfolios.

We provide a range of optional extras including accidental damage by tenants or excess protect, this means we can tailor bespoke solutions to meet your needs.

What does Landlord’s Insurance Cover?

Landlord insurance products can differ dramatically, which is why it’s essential to compare policies and make sure they are right for you and your situation. The most essential cover is buildings and contents; however, landlords can take out additional insurance policies to cover against:

• Damage to your property by the tenant
• Non-payment of rent
• Emergency overnight accommodation for the tenant
• Emergency repairs
• Liability for loss or injury related to your rental property
• Loss of rent or costs of alternative accommodation if your tenants have to move out following an insured event

 

Landlords insurance in detail

Our considerable purchasing and negotiating power means we can offer extremely competitive buy-to-let landlord insurance policies that cover a wide range of property risks.

  • ‘All risks’ material loss or damage to buildings and/or contents.
  • The ability to include occupation by students and Housing Benefit tenants at no extra charge.
  • Cover for costs of rehousing a tenant, following insured damage to the property.
  • Loss of rent cover for up to 30% of the building sum insured, following insured damage to the property.
  • Property Owners’ Liability cover up to £5,000,000 indemnity any one incident (restricted to £2,000,000 for terrorism).
  • Employers’ Liability cover up to £10,000,000 indemnity for any one incident for cleaners, gardeners, caretakers, and persons doing minor maintenance and repairs (restricted to £5,000,000 for terrorism).
  • Cover for unoccupied properties up to 60 days from being first insured or 90 days between lets subject to certain conditions.
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Landlords Insurance products and add-ons

We offer bespoke policies, and they can include the following forms of cover:

Landlord Building Insurance

Landlord building insurance is a vital cover for your rental properties we can search the market, compare quotes and arrange your insurance so you get the best insurance available

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Rent Guarantee Insurance

Provides insurance for non payment of rent in the event of a tenant defaulting as well as any landlord legal expenses cover of up to £100,000

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Landlord Legal Expenses Insurance

Provides cover for your rental property, including repossession of property and other legal disputes.

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Tenant Referencing

Referencing of tenant(s) employment history, tenant history, identity and credit history and affordability.

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Landlord Home Emergency Cover

Home Emergency Cover for your own or rental property in the event of a domestic emergency e.g. boiler breakdown, failure in utilities etc

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Multi-property landlord insurance

Multi-property Landlord Insurance for your residential and or commercial property portfolio.

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Block of flats insurance

A comprehensive flat insurance policy tailored to your requirements will give you peace of mind, talk to one of our specialists today or get a quote online

Read more

FAQs

  • We accept self-contained dwellings let to single occupants, couples, bed-sit accommodation with shared facilities and houses in multiple occupations (HMOs). We can also insure most commercial and part-commercial let properties at competitive rates. Read more on our article: What is an HMO?

    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.

  • Occasional claims are acceptable at normal terms. When you request an online quotation you will be asked for details of relevant claims.

  • No, such items are automatically included within the definition of ‘buildings’ in our landlords’ policies. There is no need to arrange separate landlords’ contents insurance in these circumstances.

  • You can get guidance on rebuilding costs at the BCIS website, but you should seek professional advice if unsure of the correct figure. We can assist you with calculating rebuilding values for straightforward properties.

  • You are covered for legal liability to third parties up to £5 million for any one incident, this is landlords liability insurance

  • Providing that your tenancy agreement is directly with the tenant, unemployed persons, students, and those receiving housing benefit/allowance are all acceptable.

  • 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.

Get in touch

Speak directly to our team
01603 216399
Start Your Quote
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