Our Landlords Insurance can cover properties for private individuals and also if your client is looking to insure a property through their business. To be eligible to take out our Landlord's Insurance policy we ask that the property to be insured:
- Is a residential property in the UK (excluding the Isle of Man and Channel Islands)
- Is let under a tenancy agreement directly between your client and the tenants, or the letting agent and the tenants
- Is occupied by no more than 6 individual tenants
- Isn’t a bed-sit or divided into individual self-contained units each with their own cooking facilities
- Isn’t showing signs of, or has ever had any damage caused to it by landslip, subsidence or heave
- Hasn’t been flooded in the last 10 years
For individuals, we also require that your client or any member of their family living with them:
- Are at least 18 years old, and the property is occupied solely for residential purposes
- Have not had insurance cancelled, declined or declared void
- Declare any previous insurance claims from the last 5 years
- Have not been convicted of any criminal offence other than motoring convictions or any offences which are spent under the Rehabilitation of Offenders Act 1974.
We want to let you know...
As with all landlord's insurance policies there are circumstances when cover can't be offered or a claim paid. For example, any loss or damage caused by storm or flood to fences, hedges and gates and any loss or damage caused by pets.
These are only examples. For full details of what's covered and what's not covered please read our Landlord's Insurance policy document. Alternatively you can find further information in our Insurance Product Information Document (IPID) for Landlords Insurance.