Ensuring your buy to let property is appropriately insured should be high on the tick list for your investment. This is where buy to let insurance kicks in, which is specialist cover designed for people who rent out properties. This type of insurance is often also referred to as let property insurance and will cover amongst other items liability as owner of the building.
As a let property owner you know each landlord has separate needs which calls for a flexible policy with optional cover such as accidental damage and rent guarantee, but should all be delivered within a competitive buy to let insurance quote.
It is quite often the case that some providers of let property insurance quotes will not be available to talk to over the phone, however rest assured that if you have a question about your buy to let quote simply pick up the phone and click4quote.com will be happy to help – now you don’t hear that very often these days do you!
Buy to let insurance for you buildings can also be purchased with contents cover if you provide furnished property to your tenants. If you need contents cover then liability for contents is automatically included within the quote.
|Let Property Insurance||Buildings Cover||Contents Cover|
|Fire, Theft, Storm, Flood ^, Explosion|
|Escape of Oil and Water|
|Subsidence, Landslip and Heave ^|
|Accidental Damage to Fixed Glass|
|Loss of Rent and the Cost of Alternative Accommodation||25% of Sum Insured||25% of Sum Insured|
^ Flood and subsidence cover subject to postcode
As with most insurance products available there are some items which insurers are unable to cover on let property insurance. Specialist cover will be needed for property undergoing renovation or if it is without a tenant for a significant period of time. Other restriction will apply if the property is not occupied for periods in excess of 14 days.
Landlord Insurance Legal Cover
Legal expenses can be added to your buy to let insurance to give you that extra peace of mind. Benefit from up to £50,000 cover for legal expenses for a variety of disputes and defenses.
Rent recovery and rent guarantee cover options are also available. Rent recovery will do just this, recover rent owed to you under the contract from the tenant however rent guarantee will pay rent owed to you whether recoverable from the tenant or not.
Both require you to have performed a tenant reference on the tenant(s) via an approved agency before they took occupation of the property and before the agreement was signed but no more than 31 days before occupation.
Other excesses, terms and conditions apply so please read the full wording.
Brilliant - helpful, Will knows his stuff and dealt with this policy adjustment quickly and efficiently. An absolute pleasure
03450 89 90 91