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Thread: Landlord's Insurance

  1. #1
    Master
    Join Date
    Jul 2006
    Location
    S. Wales
    Posts
    2,650

    Landlord's Insurance

    Between them, Santander Bank and RBS (where I have my modest wedge) are paying the square root of sod all in interest so I am in the process of buying an investment property. I don't want to over-commit so have setteled on a nice(ish) two bedroom flat. Grateful for any advice from you guys on the subject of landlord insurance.... anything to definitely look out for, beware of, etc etc etc.
    Pleased to hear
    Rob

  2. #2
    Master
    Join Date
    Mar 2011
    Location
    Northern Ireland
    Posts
    6,697
    Like residential insurance there’s plenty of options, accidental cover, malicious damage etc. I’ve never had to make a claim, but price wise Homelet have been unbeatable for me.

  3. #3
    Master mr noble's Avatar
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    Mar 2009
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    Cambs
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    4,663
    I switched to these guys a few years back as they put all my properties into one policy and are quite a bit cheaper than the mainstream companies who want to do a separate policy for each.

    I also hope that in the event of a claim, the smaller companies are possibly better and faster at handling a claim.

    I’d say cheapest is defo not the best choice.

    https://www.alanboswell.com/landlord-insurance/

  4. #4
    Master
    Join Date
    Jan 2018
    Location
    UK
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    3,194
    What are you buying the landlord insurance to cover?
    If a leasehold flat, the management company I assume would be arranging buildings insurance.
    Is it loss of rental, disputes or something else you are looking to cover?

  5. #5
    Whoever you pick, don’t choose More Than.

    They might seem well priced but they seem to be incapable of running things either online or via email. Who uses letters these days?

  6. #6
    I've used discountinsurance for a few years on a 1 bed flat rental - they seem cheaper than a few others i tried. I haven't claimed so yet to test them but maybe worth a look.
    If you want rent protection etc try Goodlord.

  7. #7
    https://www.cia-insurance.co.uk/

    I’ve always used CIA for landlord insurance, they’ve been excellent and cheap

  8. #8
    Craftsman
    Join Date
    Dec 2016
    Location
    Herts UK
    Posts
    977
    For the cheap option I pay £10 a month through AXA, buy using Quidco for £76 cashback.

  9. #9
    Master
    Join Date
    Jan 2018
    Location
    UK
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    3,194
    Can I just ask again what are you all covering by buying landlord insurance?

    Especially for those like the OP who own a flat, presumably leasehold with buildings insurance covered within a management co structure?

  10. #10
    Quote Originally Posted by Boss13 View Post
    Can I just ask again what are you all covering by buying landlord insurance?

    Especially for those like the OP who own a flat, presumably leasehold with buildings insurance covered within a management co structure?
    a few things that might be covered could be - damage to flat interior, white goods protection, in case of extensive damage to building a place paid for tenants to stay in, legal / liability costs / locks - can be extended usually to include rent protection, extraction costs etc

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