Landlord Insurance

Looking for the best insurance for landlords?

Whether you let out a single residence or you have a substantial property portfolio, landlord insurance is essential.

After all, your financial investment needs to be protected and damage can prove costly to repair and will affect any returns you make. Since the day-to-day care of the property is in the hands of the tenants you never know what problems you might come across.

Here at Click4Quote, we specialise in helping our clients with cheap deals on property insurance for landlords.

Our extensive experience helps us to offer flexible insurance specially designed for landlords at the best price possible. Policies should offer cover for various tenant types and have other options such as higher excesses to lower costs and accidental damage.

If arranging landlord insurance over the internet is not a preferred choice, call a friendly UK based operator who will help with any questions or provide a quote low cost quote.

Optional legal cover is available for just £4.99 per property, with options to protect your rental income if your tenant fails to pay by purchasing our rent recovery and rent guarantee insurance.

What to consider when choosing a landlord insurance policy

When shopping for landlords insurance in the UK, it's important to find a policy that has been specifically written for rental properties. Standard home insurance won't be sufficient if the property owner isn't the primary resident.

The location of the property and the type of construction could have a bearing on the type of insurance you need and the amount you'll have to pay. Luckily click4quote offer landlords quotes for some non-standard buildings.

You should also make sure to choose a policy that will cover the type of tenants that will be living in the property. For example, some providers will not renew your policy if you are renting to students or those on housing benefit.

For those who have a property portfolio requiring landlord building insurance, further savings could be achieved by opting for a single policy that covers all the residences involved. This option may also simplify management, as you'll only have one renewal date to worry about and any claims will go through the same insurer

Buildings insurance usually consists of the property, fixtures & fittings and outbuildings (plus much more).

Contents insurance is required for items that you own at the property, covered on a 'new for old' basis, such as carpets, curtains, sofas and tables.

What is covered?	Buildings	Contents
Fire, Theft, Storm, Flood, Explosion
Escape of Oil and Water (£250 excess)
Subsidence, Landslip and Heave
Property Owners Legal Liability	£2,000,000	N/A
Contents Legal Liability	N/A	£2,000,000
Accidental Damage to Windows and Fixed Sanitaryware
Loss of Rent and the Cost of Alternative Accommodation	20% of Sum Insured	20% of Sum Insured

Options available for insurance quotes

If you are interested in getting a landlord insurance quote, it can help to understand the various options that are available.

The right choice will depend on the type of properties you own and the tenants that you cater to - as well as your personal preferences and the level of risk.

For example, you may want to consider accidental damage cover if you're worried about one-off unintentional problems. Meanwhile, our sums insured policies allow you to specify the amount of money that the property is insured for, ensuring you only pay for what you need.

Additionally you may wish to purchase cover for theft and malicious damage by the occupier which is available for some tenant types, a higher sum insured for liability or liability cover for domestic employees.

One way to cheaper landlord insurance is to increase the standard excess for a discount, with options from £100 to £1000. Separate higher excesses of £1000 will apply for subsidence and escape of liquid from £250.

Other options include landlord legal cover, which gives you access to a 24-hour legal helpline and a legal document service for just £4.99 per property. What's more, rent recovery or rent guarantee options will help ensure you don't suffer financially if a tenant fails to pay rent.

In addition, if you are looking for insurance for one of your own second homes or insurance for a holiday property, check out one of our of cheap holiday home insurance policies today!

Get cheap landlord insurance from Click4Quote

For anyone who wants to save money with cheap landlord insurance, getting a quote from Click4Quote is the best way to start. Play around with the easy to use quote engine and interactively create your quote by selecting the cover options to get the desired result - policies that fit your budget and match your individual requirements, and don’t forgot our price match promise.

So, whether your current policy is about to renew and you're wondering if there are cheaper options available, or you're just starting out in the buy-to-let market and need to insure a new property, contact us today or fill in our quick form for a no-obligation landlord insurance quote.

Alternatively, if you're thinking about changing suppliers, but your insurance is not yet due, simply fill out our handy form and we'll get in touch closer to your renewal date. You can also follow us on Facebook or Twitter to keep up with our latest news.