Landlord Insurance Specialists

Our scheme is one of the most competitive specialist landlord insurance schemes on the market. We have chosen to work with Aro Underwriting, as they are one of the most experienced landlord insurance providers, with prices starting from £106.

Call us on 01480 402475

The policy includes buildings, contents, property owners’ liability and employers’ liability as standard.

Landlord Insurance Policy Summary

Buildings Cover

Includes such items as –

  • Fire, explosion, lightning
  • Storm, flood, landslip
  • Accidental damage to cables, pipes and tanks
  • Loss of rent and / or alternative accommodation for the tenant up to 30% of the building sum insured
  • Replacement of locks up to £500
  • Malicious acts by your tenant up to £2,500 *Excesses apply
  • Unauthorised use of metered electricity, gas or water up to £1,000
  • Glass, sanitary ware and ceramic hobs
  • Property owners’ liability or legal liability under the Defective Premises Act
  • Trace and access caused by escape of water or oil up to £2,500 for any one claim

Contents Cover

Includes such items as –

  • Loss or damage to contents
  • Malicious acts up to £2,500, by your tenant – excesses will apply
  • Property owners’ liability

Employers’ Liability

  • Up to £10 million in respect of damages relating to bodily injury caused to an (a domestic employee) employee during the course of employment by you and which you are legally liable to pay for any claim or claims arising from one event/occurrence

Property Owners Liability

  • Up to £5 million including legal defense costs following a claim brought against you as a landlord.

 Call us on 01480 402475

Landlord Insurance products

Block of Flats Insurance Landlord insurance Documents
Blocks of Flats Insurance Landlord
Documents

Optional additions to the policy include –

  • Accidental damage

This is a summary of the main features and benefits of the landlord insurance policy. Full details of the cover including terms, conditions and exclusions are set out in your insurance policy, examples of which can be found here.

Optional Additional Cover – Landlord Legal Policy

Indemnity for legal expenses

For disputes with the tenants over:

  • Obtaining possession of the property
  • The use of the property
  • Dilapidation and nuisance
  • Non payment of service charges due by a tenant in excess of £1,000
  • Repair and renovation cover – provides indemnity for legal expenses to pursue or defend disputes relating to the repair or renovation of the property
  • Attendance expenses up to £100 per day for time off work to attend court or tribunal hearings
  • Rent recovery in excess of £1,000

Call us on 01480 402475

This is only a brief summary of the cover available. For a copy of the policy wording please click here.

Rent Guarantee Insurance

Rent Guarantee Insurance is a part of our landlord premium legal cover and is an option that can be added to our Landlord Insurance Policy.

Indemnity for legal expenses

For disputes with the tenants over:

  • Obtaining possession of the property
  • The use and maintenance of the property
  • Dilapidation and nuisance
  • Repair and renovation cover – provides indemnity for legal expenses to pursue or defend disputes relating to the repair or renovation of the property
  • Maintenance disputes – Indemnity for legal expenses from disputes with the tenant over maintenance issues
  • Health and safety prosecution cover – provides indemnity for legal expenses to defend some prosecutions brought under Health and Safety legislation
  • Tax protection cover – provides indemnity for professional expenses incurred when representing the insured at a Revenue enquiry
  • Rent protection for arrears greater than £250

Cover, exclusions, excess etc. may be altered by specific endorsement. Where applicable such alterations are shown in your schedule.

PLEASE NOTE: All landlord insurance policies are applicable only to properties in England, Scotland and Wales.

Customer Feedback

Independent feedback data provided by Feefo

Commercial Insurance
Overall rating: 4.8 / 5 out of 65 Customer Reviews
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Service rating :Liam was very helpful and insurance was in place very quickly - cannot fault the service

Product rating : Does what was requested, tailored to suit the business

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Service rating :I have used Lifesure many times for various insurances and they continue to offer exemplary customer service. I have been dealing with Liam who is always so helpful & real credit to Lifesure. The price is not always the cheapest but it is always in the ballpark of what I am prepared to pay.

Product rating : Fits my requirements perfectly

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Service rating : Prompt service, competitively priced

Product rating : I have got it but not used as yest.

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Harrison Barnes was very helpful.

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Service rating : Fantastic service and a great price, thank you Liam

Product rating : Fantastic service and a great price, thank you Tom

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Service rating : Friendly, efficient, clear.

Product rating : I can't really give 'excellent' without knowledge of how any claim would be handled. I hope I never have the need to know that!

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Been with lifesure for past 5yrs and the service has been good. We have claimed only once for a lock/ door change whn a breakin happened and your team paid the claim albeit after a long period. My only issue was I had to call u to get updated on status. I appreciate your calls whn my landlord insurance is due for renewal at all my properties.i keep getting calls which act as reminders. So hope u can change this with ur claims too!! Overall happy with service

Lifesure response:
Thank you for your feedback and your comments on the good service that you have enjoyed over the past 5 years.

We are continuously reviewing the insurance companies that we use for our specialist schemes and hopefully your experience will improve if this were to happen again, via one of our preferred insurer partners.
As with all of our clients, claims are handled directly via the insurers claims handling teams, but as your Broker, we are always available to help you should you encounter any problems with your claim.

Thank you.

Tony
Service
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Service rating : Liam was very professional and answered all of my queries.

Product rating : Very competitive quote

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