Buildings

With our standard and select options, your customer can choose cover to suit their circumstances.

What's covered?

The table below shows a number of features which are covered under our Landlords buildings insurance.

What's included Cover / Limit Selling Point

Rebuilding cost cover

  • Standard option - as long as your customer's home has no more than five bedrooms and meets certain criteria (please refer to the policy summary for full details of the criteria).
Up to £800,000 Our rebuilding cost limit will be more than adequate for most properties. It must be sufficient to cover the cost of rebuilding the property.

Rebuilding cost cover

  • Select option - is available if the property has six or more bedrooms.
Up to £800,000  
Loss or damage caused by perils such as 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 should the property become uninhabitable due to 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? We would cover the cost of damage caused when trying to find the leak.
Accidental damage to underground pipes and cables serving your customer's let property. 
 
24 hour legal helpline.
Your customer can call our legal helpline for expert advice about all kinds of domestic legal problems.
Home emergency cover - for call out charges and parts for certain emergency repairs. Up to £500 A home emergency such as a burst pipe or break in can be a stressful experience. Knowing that they will be covered for up to £500 should they have to call out a tradesman should provide your customers with some peace of mind.

What isn’t covered?

  • The first £100 of each claim, or in the event of escape of water or accidental damage or malicious damage by tenants (if chosen) the first £250, or in the case of subsidence, heave or landslip the first £1,000
  • Storm or flood damage to fences, gates, hedges, cantilever car-ports, canopies and awnings, and to any felt roof where the felt is more than 10 years old
  • 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.

These are only a few of the limitations and exclusions that apply. For full details of what is and isn’t covered, as well as our acceptance criteria, refer to the PDF file: Broker Landlords Insurance - Policy Booklet (QGI12729) PDF size: 843KB   and  PDF file: Broker Landlords Insurance - Policy Summary (QGI12730) PDF size: 240KB .