Landlord's Insurance

We can search through a range of policies to find the one that suits you best from our extensive list of insurers. So this year leave the shopping to us, as just one phone call could find the best cover and price for you.

Landlords insurance arranged by us for buildings and contents will include as standard:

  • loss or damage arising as a result of fire, storm, flood, falling trees, theft, malicious acts or vandalism
  • Up to £40,000 for your loss of rent or for providing alternative accommodation for the tenant following damage caused by an insured event.
  • legal liability as owner of the buildings for causing injury to others or for damage to their property up to £2,000,000 for any one claim
  • home emergency cover – with our buildings insurance you get up to £150 towards paying for call-outs or repairs if you have an emergency. This cover is provided by Inter Partner Assistance SA and administered by HomeServe Claims Management Limited.

Contents only cover is only available in circumstances where the buildings is tied to another insurer, such as in the case of a leasehold flat. 

Landlords Insurance additional cover options

You can tailor your policy with the following optional cover:

  • buildings accidental damage and malicious damage by tenants to cover you for incidents such as banging a nail through a pipe or putting a foot through the ceiling whilst in the loft and malicious damage by your tenants.
  • contents accidental damage and malicious damage by tenants so you don’t have to worry about things such as spills on carpets and malicious damage by your tenants.
  • legal expenses, rent guarantee and eviction of squatters cover insures you for irrecoverable costs and fees to pursue or defend claims involving breach of tenancy agreement and unpaid rent in excess of one month and up to 12 months. The maximum amount payable for legal expenses and unpaid rent in any 12 month period of cover is £50,000. Claims are handled on our behalf by DAS Legal Expenses Insurance Company Limited


Please note that Landlords Insurance is designed to cover certain unforeseen events and doesn't cover everything. It does not cover things like general wear and tear or damage that happens gradually over a period of time. There is also an excess on each claim.

 

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Our typical fee for arranging a mortgage is £299, however the actual fee will depend on your circumstances and will not exceed 1% of the mortgage amount.

As with all insurance policies, conditions and exclusions will apply.

Clarity Mortgages Ltd is an appointed representative of Stonebridge, which are authorised and regulated by the Financial Conduct Authority (FCA: 528184). Registered in England No: 6350624. Registered Office: 1 Brook Court, Blakeney Road, Benkenham, Kent, BR3 1HG.

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