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Contents.
Please note, our Landlords' Insurance contents cover is only available without buildings where the buildings is tied to another insurer, such as in the case of a leasehold flat.
Your customers can insure their contents for a minimum of £5,000 and and a maximum of £35,000 (up to £75,000 on referral).
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 |
|---|---|---|
| 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 escape of water and leakage of oil | Ask your customer what would happen if their washing machine flooded their kitchen and hall? Would they be able to afford to replace their carpets? | |
| Contents in garages and domestic outbuildings | Up to 5% of contents sum insured | |
| Your customers legal liability as the landlord of the home for causing injury to others or damage to their property | Up to a maximum of £2 million for any one claim | |
| Replacement locks to the external doors of the home if the keys are stolen | Up to £750 | Ask your customer what would happen if their handbag was stolen with the keys in and perhaps details of the let address? They can install new locks in the insured property up to £750 without worrying about the expense. |
| Your customer’s sum insured will automatically be adjusted to keep pace with inflation | ||
| Legal helpline -for expert advice on all kinds of domestic legal problems, your customer can call our 24 hour helpline. |
What isn’t covered?
- The first £100 of each claim and in the event of escape of water or accidental damage or malicious damage by tenants, the first £250.
- Theft or attempted theft by tenants.
- High risk property such as TV’s, pictures and works of art.
- Property belonging to or the responsibility of the tenants.
- Loss or damage resulting directly from the home being used for an illegal purpose.
- The costs of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements.
- Loss or damage caused by escape of water if the home is unoccupied for more than 40 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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