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 £110.
Our landlord insurance policy includes as standard –
Includes such items as –
Includes such items as –
Property Owner’s Liability
Optional additions to the policy include –
The optional landlord legal protection includes indemnity for legal expenses for disputes with the tenants over:
Claim one – Property Legal Section
Issue: Adjoining neighbour has had some work carried out on their property, which has resulted in cracks appearing on the party wall, both upstairs and down, and also across the ceiling.
Remedy: Claim passed for legal review, as all relevant information provided to support claim i.e. photos of damage, structural survey (which in this case confirms cracks are as a result of the work undertaken). As the documentation provided clearly shows the cracks are due to the work undertaken by the neighbour on the party wall the legal opinion returns confirming the claim has prospects. The claim is accepted and passed to panel solicitors to pursue the claim for damages.
Claim two – Property Legal (Boundary Dispute)
Issue: Outbuilding has been built on insureds land, it was originally consented to be used as a car port, but then turned into workshop, and now used as a dwelling and is now claiming further land. Title plans and photographic evidence has been provided with the claim notification.
Remedy: Claim passed for legal opinion and prospects reviewed, assessment confirms claim has prospects and is passed to panel solicitors to pursue in order to gain land back and claim damages.
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.
Included within the rent guarantee insurance is indemnity for legal expenses, covering you for disputes with the tenants over:
Claim one – Rent Guarantee (Claiming Damages)
Issue: Tenant vacated the property but left it in a state of disrepair, and needing a complete refurbishment, prior to the re letting of the property. In order to rectify the state of the property the costs would total over £3,000 less any deposit held.
Remedy: As damages total over £1,000 claim accepted and passed to panel solicitors in order to initially carry out a trace on the tenant and/or guarantor. If a positive trace comes back the claim is pursued to recover the costs from the ex-tenants / guarantor.
Claim two – Rent Guarantee (Rent & Eviction)
Issue: Claiming for rent and eviction as tenant is in two months arrears. Already served the relevant notice on the tenants and all supporting information has been provided with the claim notification.
Remedy: Claim accepted and passed to panel solicitors to deal with the eviction, rent is paid out to insured under the rent guarantee policy.
Cover, exclusions, excess etc. may be altered by specific endorsement. Where applicable, such alterations are shown in your policy schedule.
More information about public liability insurance and what it covers you for can be found here.
More information what employer’s liability insurance covers you for can be found here.
As with all insurance policies there will be exclusions and conditions attached. The level of cover that you choose will determine some of the exclusions but include:
Please make sure that you read your policy documents for the full list of exclusions and call us if you have any questions.
We are able to offer owners of residential blocks of flats a separate specialist insurance policy.
For more information about the cover please click here.
As an owner of a commercial property, your landlord insurance requirements are going to be different to those of a residential property.
Please follow this link to our commercial property insurance page.
These are the sample policy documents for the landlord insurance policy.
Occasionally we not be able to offer you a policy with Aro Underwriting, and if this is the case we may use another one of the landlord insurance providers that we have access to. For copies of their policy summary please speak to your adviser.
For policies bought or renewed before 1st May 2018
For policies bought or renewed after 1st May 2018.
Our landlord advice library contains articles and blog posts on a wide range of landlord related topics including start-up advice, finance for landlords, managing tenants and health and safety.
To access the library please click here.
The government have produced a booklet on the Regulatory Reform (Fire Safety) Order 2005 which you may find useful for your property and which is available to download.
What is the difference between “loss of rent” and “rent protection”?
Loss of rent is a normally a standard policy extension to any policy covering a property that you do not occupy yourself. This will cover your loss of earnings (earned from taking rent) following a claim that renders the property uninhabitable. A rent protection or rent guarantee policy is a separate policy that you can take out to provide cover for your loss of rent in the event that your tenant does not pay (subject to the conditions, exclusions or warranties applicable to that policy).
What is the difference between market value and rebuild value?
The “market value” of a property is the cost of the land; the cost of building the property plus any additional amount added based on location & local amenities (amongst other variables) that may determine the purchase value of a property.
The “rebuild value” of a property is just the cost of the building materials, the labour costs incurred in building a property, plus the cost of clearing the site of debris following a claim and any subsequent fees and costs such as legal fees, surveyors costs, architects fees, etc. The latter is what insurers will use to calculate your insurance premium and determine the policy terms, as it gives a better reflection of the “risk” the insurers are taking on insuring the property.
What is the average amount of public liability I need?
There is no “average” amount for public liability insurance. The limit of public liability insurance you choose should reflect the size of your business and always be adequate to cover the worst possible scenario for a claim that you could cause. For example, a tradesman working solely on empty domestic houses with a total value of £100,000 far away from any other third party person or third party property which they might injure or damage, might consider a lower sum insured than a tradesman working on a school with a £2,000,000 value whilst there are children in attendance.
What is property owner’s liability cover?
Property owner’s liability cover is public liability insurance covering your legal liability against claims arising from the ownership of your property, including liability incurred under the Defective Premises Act. Property owner’s liability insurance will cover costs and rewards incurred by you through claims brought against you due to the injury of a third party or damage to third party property either caused by, or on the grounds of, the property.
What is employer’s liability?
Employer’s liability will cover costs and rewards incurred by you through claims brought against you for the injury of an employee or damage to employee’s property for which you are legally liable.
IMPORTANT NOTE: Employer’s liability is a legal requirement of any person or company that employs another person (whether you pay them or not). To find out if you are exempt or not please check the Employer’s Liability (Compulsory Insurance) Act 1969.
Why do I have an employer’s liability certificate with my landlord insurance?
If employers liability insurance is included on any type of policy that you buy, it is a legal requirement that the insurer provide you with an employer’s liability certificate. This cover is sometimes included on a landlords insurance policy to protect you against costs and rewards, incurred by you, through claims brought against you for the injury of an employee for whom you are legally liable for. Employees may include domestic staff that work on your property, who may not necessarily be classed as a third party, as you are employing them to do a job.
If you’d like us to contact you closer to your renewal date, please leave your details below and a Lifesure adviser will be in touch in due course.
Service rating : I have found that the lifesure service to be very good and that the lady that I spoke to was very well informed and very helpful
Service rating : Amy was just wonderful and dealt with our slightly problematic insurance in an extremely professional way. Thanks Amy.
Very helpful and efficient. Once again they came up with the best quote, and were more than helpful in sorting out follow-up queries.
Service rating : Good customer service and very helpful with the service i required. also price for what i wanted was very good
Easy to work with when dealing with specific insurance needs. Pleasant and helpful staff.