Landlord Legal Expense Insurance

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Landlord Legal Expenses Insurance provides legal advice and covers for legal costs should a dispute relating to your property and tenant(s) arise, such as legal action and court proceedings, up to £100,000. For example, you can benefit from having legal expenses insurance if a tenant damaged your property, if you need to evict your tenant(s), or if you wanted to seek unpaid rent.

Landlord legal insurance cover is essential for landlords who want to keep control of their property at all times. Usually tenancies run smoothly and there is little cause for concern, however, when it does go wrong there can be lengthy and costly legal disputes.

Benefits of legal expense insurance are:

Access to legal advice helpline
£100,000 legal expenses cover for evictions
Tax investigation cover
Property disputes legal cover

You can purchase standalone Legal Expense Insurance or you can purchase Landlord insurance with landlord legal expenses

See cover details below.

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Landlord's Team

Amanda Riches

Insurance Adviser

The Alan Boswell Group Difference

We appreciate that when you’re letting a property there needs to be a continuous income flow. If something jeopardises this income, action needs to be taken quickly. That’s why we have worked to develop Landlord Legal Expense cover; a product that covers the major legal issues a landlord could face and provides support, so situations are remedied quickly and efficiently.

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Landlord Legal Expenses Insurance in detail

Landlord legal expenses cover is an important product for landlords who wish to protect their rental properties.

Eviction cover Cover for up £100,000 legal expenses to gain possession of your property.
General property disputes cover £100,000 cover for legal expenses incurred in legal disputes for: terms of tenancy, damage caused by nuisance, dilapidations to the property.
Repair and renovations disputes cover Cover for legal expenses incurred in contractual disputes with a contracting party over the repair and renovation of the insured property.
Health and safety prosecutions Legal expenses incurred in defense of a criminal prosecution under the Health and Safety Act.
Tax investigation cover Professional expenses incurred for representation during an HMRC investigation.
Rent recovery Recovery of undisputed debt for rent unpaid by a tenant.
Access to Legal advice We have a helpline open 24/7 dedicated to offer you the best legal advice.

For the rent recovery section to be valid, a credit check indicating no CCJs in the last three years must have been undertaken prior to the claim.

If a tenants already occupy the property and you wish to take out this policy midway through their tenancy there will be a 90 day exclusion period before any claim can be submitted.

Costs

Cover is available for £30 if purchased in conjunction with an Alan Boswell Group landlord insurance policy. Alternatively it can be bought for £50 on a standalone basis.

FAQs

Are there any restrictions on the covers?
As with all policies, there will be terms and conditions. The main consideration is when you are able to make a claim. For legal disputes the amount in dispute must be more than £1000. For eviction, the rent arrears must be over £250.
What do you define as “nuisance emanating from a property”?
Nuisance emanating from a property is defined as something that causes inconvenience or damage to the use of your property. This could come in many forms, the most common of which are noise, smell and damp coming from adjoining properties.
If I change my tenant am I still covered?
Yes, the insurance is based on the property. As long as there is a tenancy agreement in place then the insurance will be valid. If you wish for full cover to be in place you will also need to reference the new tenant(s).
Do I need Landlord Legal Expenses insurance?
There is no legal requirement for the product, although it is highly advisable to avoid lengthy and costly legal disputes.
How many tenants can I cover on this policy?
You can cover up 25 tenants on this policy in a student let/HMO (House Multiple Occupancy), although pricing will differ from a single tenancy.
Will claims always be covered?
As this is a legal policy a factor called “chance of success” is used. This means if there is a good chance of success in the courts (over 50%), the claim will be covered. This is to stop frivolous claims being pursued where there is limited chance of success e.g. where the correct procedures for notification of eviction have not been followed.
Can I purchase this Landlord Legal Expenses for an unoccupied property?
Yes. While not all elements of the policy will be active, you will still have cover under the legal advice helpline, tax investigation and repair and renovation disputes.