Please note our Landlords Insurance contents cover is not available without buildings.
The sum insured selected must represent the full cost of replacing the landlord’s contents.
The table below shows a number of features which are covered as standard under our contents insurance.
|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 the washing machine flooded their kitchen and hall? Would they be able to afford to replace their carpets?|
|Contents in outbuildings||Up to 5% of contents sum insured|
|Your customer's 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|
|Accidental damage or malicious damage by tenants.||
|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.||
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 Broker Landlords Insurance - Policy Booklet (QGI12729) PDF: 341KB and Broker Landlords Insurance - Policy Summary (QGI12730) PDF: 125KB
This is not a consumer page. It's intended for Broker use and should not be relied upon by private customers or any other persons.