Speak directly to our team
01603 216399Landlord Building Insurance
Landlord building insurance covers against events such as flooding, subsidence and fires. If you’re renting out a furnished property, it’s worth considering adding a contents insurance policy if you provide furniture for your tenants.
Compare quotes online or give us a call and one of our property insurance specialists will search the market to find the best level of cover for you.
- Wide-ranging, comprehensive, five-star cover
- Award-winning service
- In-house claims team
- 98% service and product customer feedback scores
- £5 million property owners’ liability cover
- Additional landlord insurance covers available, such as landlord content insurance, rent guarantee insurance, legal expenses and home emergency
The Alan Boswell Group Difference
Alan Boswell Group is one of the country’s leading suppliers of landlord building insurance. Having worked with landlords for more than 20 years, we understand the buy-to-let sector and the challenges landlords face. Our experience and credibility within the industry means that we have been able to develop unique propositions, harnessing our buying power and expertise. It’s from this standing that we are able to deliver first-class independent advice, tailoring insurance products to your individual circumstances.
How our customers rate us
Helpful, supportive, knowledgeable and no hard sell.
Landlord building insurance cost
How much does landlord building insurance cost?
You could pay as little as £99 for landlords building insurance. The precise cost will depend on a number of factors including the type of construction and size of the property, but last year 10% of our customers paid £99 or less (Jan 18 – Dec 18).
Landlord buildings insurance in detail
Landlord building insurance policies contain a range of covers, including:
- Buildings Cover for rebuild or repair of your building following an event e.g. flood or fire.
- Loss of rent Loss of rent cover following your rental property becoming uninhabitable after a claim OR alternative accommodation costs for your tenants due to your property becoming uninhabitable after a claim e.g. flood, fire etc.
- Property owners' liability Protection against legal liability for personal injury or property damage suffered by third parties at your rental property.
- Employers' liability Employers' liability cover for cleaners, gardeners, caretakers and persons doing minor maintenance and repairs.
-
Unoccupied property cover
Full cover for up to 90 days unoccupancy between tenancies.
-
Malicious damage by tenants
Full cover for malicious damage caused by your tenants to your property.
When comparing policies, make sure you compare on a like-for-like basis. Many companies claiming to offer cheap insurance will do so by limiting cover and increasing excesses.
Most insurance policies will have terms and conditions requiring you to have an Assured Short Term Tenancy Agreement (AST) in place, regardless of whether you are letting to your friends, family or strangers.
If you have five properties or more you will need specialist landlord insurance for multiple properties.
FAQs
-
The price of your landlord building insurance is affected by a variety of factors. As an independent landlord insurance broker we are not tied to any insurer, so we can find the best, high-quality cover for your needs.
-
Building insurance for buy-to-let properties covers the cost to rebuild or repair your building after an event e.g. flood or fire.
All our building insurance policies also include at least £5,000 for your fixtures, fittings and white goods; £10,000,000 employers’ liability; accidental damage; loss of rent and £5 million property owners’ liability.
-
Yes, you can increase your excess to obtain a discount.
-
Yes, you can add and remove properties throughout the year. Our insurance experts will take the time to understand your future plans and advise on the best products to fit your situation.
-
While we recommend tenant referencing, it is not a requirement of our landlord buildings and contents insurance products. However, if you want to buy rent guarantee and landlord legal expenses alongside your landlord insurance, you will need to reference your tenants.
-
Premiums can go up and down and there are many factors that will affect this. As we are independent we are not tied to any insurance provider and will ensure you have the best value and quality products at each renewal.
-
Landlord insurance is not a legal requirement, however there are circumstances where you will be required to have it. Firstly, it maybe a prerequisite of a mortgage offer that you hold valid landlord insurance for the length of your mortgage. Secondly, if you directly employ a cleaner or handyman for your property or portfolio then you may require employers’ liability. Our insurance experts will take the time to understand your circumstances and advise you of your legal obligations.
-
Yes, students and tenants on housing benefits can be accepted on to your insurance policy.
-
Yes, conservatories are covered as they are part of the building.
-
The roof is considered part of the fabric of the building, so is covered by your building insurance.
-
No. Rising damp is not covered by any insurance policies. Read about rising damp in more detail.
Get in touch
Alice Gerken
Insurance Adviser
Prior to working at Alan Boswell Insurance Brokers, Alice began her career in retail, working for an independent store in Norwich. She started out in…
Amanda Riches
Insurance Adviser
Amanda is an insurance adviser specialising in personal lines including landlords insurance, boat, motor, home and travel.
Alice Legood
Apprentice Property Insurance Handler
Alice did her GCSE’s in 2015 and carried on to do AS level at CNS in Business, Sociology and Psychology. She then went to City…
Telephone:
01603 649687Related products
Landlords Insurance
Flexible Landlords Insurance products from a market-leading broker. Compare quotes for your buildings, contents and liability insurance for commercial or residential properties.
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
Landlord contents insurance
Our Landlord Contents Insurance is for the properties you have left fully or part furnished and provides cover for the furnishings, fixtures and fittings.
Multi-property landlord insurance
Multi-property Landlord Insurance for your residential and or commercial property portfolio.
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
Landlord Legal Expenses Insurance
Provides cover for your rental property, including repossession of property and other legal disputes.
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
Tenant Referencing
Referencing of tenant(s) employment history, tenant history, identity and credit history and affordability.
Home Insurance
Cover for the buildings and contents of your home for damage, theft and other covers.
Related news
Landlords Insurance – Top 10 things to look out for
Comparing insurance quotes can be hard work. Steve Cox, Business Account Manager at Alan Boswell Group, provides his top 10 tips to help you find the right landlord insurance for your buy-to-let property.
Best Landlord Insurance Provider 2019 - two years running!
We have been crowned Best Landlord Insurance Provider at the National Landlord Investment Show award – again!
The end of “no-fault” evictions and what it means for landlords
The Government’s plans to ban so-called “no-fault” evictions has caused controversy since its announcement in April, with landlords groups claiming it will push up rents and shrink the supply of rental homes.