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Buildings.
With our standard and select options, your customer can choose cover to suit their circumstances.
What is covered?
The table below shows a number of features which are covered as standard under our contents insurance.
For a full list of limitations and exclusions, please refer to the Landlords' Insurance key features (PDF) and Landlords' Insurance policy booklet (PDF).
| What’s included? | Cover/Limit | Selling point |
|---|---|---|
Rebuilding cost cover
| £800,000 |
|
| ||
| ||
| Loss or damage caused by the main perils including fire, smoke, explosion, lightning, earthquake, storm, flood, theft or attempted theft, escape of water, leakage of oil, falling trees and malicious acts or vandalism | ||
| Loss or damage caused by subsidence, heave or landslip | ||
| Your customer’s legal liability as owner of the property for injury to others or damage to their property | Up to a maximum of £2 million for any one claim | |
| Loss of rent or alternative accommodation for the tenant following damage caused by an insured event | Up to £40,000 | If your customer’s let property was damaged due to a flood or fire and was uninhabitable, could they afford to continue to pay the mortgage without the rent coming in? |
| Trace and access cover – covers the cost of tracing water or oil leaks and repairing damage caused by the investigations | Up to £5,000 | What would happen if your customer had a leak but didn’t know where it was coming from and had to tear down a wall or ceiling? Landlords' Insurance cover would cover the cost of any damage caused when trying to find the leak. |
| Accidental damage to underground pipes and cables serving your home | ||
| Legal helpline - for expert advice on all kinds of domestic legal problems, your customer can call our 24 hour helpline. | ||
| Home emergency cover – for call out charges and parts for certain emergency repairs | Up to £150 | A home emergency such as a burst pipe or break in can be stressful experience, knowing that they will be covered for £150 should they have to call out a tradesman can provide some peace of mind. |
What isn’t covered?
- The first £100 of each claim, or in the event of escape of water, the first £250 and (if chosen) accidental damage or malicious damage by tenants, or in the case of subsidence, heave or landslip, the first £1,000.
- Damage to fences, gates and hedges caused by storm or flood.
- Theft or attempted theft by tenants.
- Loss or damage resulting directly from the home being used for illegal purposes.
- Routine day to day maintenance.
- Loss or damage caused by underground water.
- Loss or damage caused by escape of water if the property is unoccupied for more than 40 consecutive days.
For full details of what is and isn’t covered, as well as our acceptance criteria, refer to the Landlords' Insurance key features PDF: 1.27MB and Landlords' Insurance policy booklet PDF: 1.75MB
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