Common Landlord Insurance Questions and Answers
Q – Why do I need landlord insurance, what is wrong with standard home insurance?
A – Some new landlords are unaware that most standard house insurance excludes cover whilst a property is being rented. It is therefore essential that a landlord
has in place specialist landlord insurance, which is specifically designed for this purpose.
Landlord insurance will not only protect your capital investment, landlord insurance will also include landlord liability cover. If your tenants were to hurt
themselves within the property due to your unknowing negligence, they could make a claim against you for damages. Landlord liability can cover the award for damages
plus legal costs which otherwise would not be covered under standard home insurance.
Q – Does anyone offer landlord insurance for non-standard construction properties?
A – We understand that not all properties are built the same, which is why we also offer landlord insurance for properties of non-standard construction, as well as
standard construction. So if your building is thatched, timber framed or even listed – non-standard construction property landlord insurance quotes are available –
just click 4 quote or call 08450 89 90 91!
Q – What is a policy excess?
A – The excess is the amount you are liable to contribute towards each and every claim per section of your landlord insurance. If your excess were £100, you
would pay the first £100 of any claim no matter what value the claim. For example, if your claim settlement was £200, the insurer would pay you £100 as you are
liable for the first £100. The excess can vary depending on your circumstances. Buildings and contents excesses are usually £100 per section, with the subsidence
excess usually £1,000.
Q - For my property, can I obtain landlord contents insurance only?
A - Click4quote.com is happy to offer contents only insurance cover.
Q - How long is my quote valid for?
A - Your quote is valid for 30 days.
Q - How far in advance can I get a quote and start my policy?
A - You can get a valid quote up to 30 days in advance but you may enter your details at anytime to get an idea our prices. You can buy your policy with a start
date up to 30 days in advance so you do not need to wait until your existing policy has ended before switching to Click4quote.
Q - Do you charge for credit or debit card payments?
A – We make no additional charge for you to pay by credit card or debit card and we can accept MasterCard, Visa Debit, Visa, Maestro and Solo card.
Q - Do you offer Direct Debit payment?
A – We do offer Direct Debit as a payment option subject to your quote. There is no deposit to pay up front with the sum being paid over 9 equal installments.