Residential Landlords
Our Residential Landlords policy is designed for properties owned by the policyholder and occupied by tenants solely for domestic, residential purposes. It is available for single and multi-location portfolios of houses and modern, purpose built blocks of flats.
Key Selling Points
- Introductory no claim discount available at new business
- No claim discount available at renewal Minimum premiums from £100
- Standard excess of £200 for Landlords Contents and Buildings with an option to vary
- Multiple premises discounts
- Option to cover Landlords Contents without insuring the Buildings
Features
- Engineering breakdown, including landlords' contents contained within the tenanted property (when contents is included). Covers essential items such as lifts, boilers and access control systems
- Free 24 hour advice lines for health and medical assistance, emergency assistance, glazing, legal advice and stress counselling
- Up to £15,000 cover for frozen or chilled foods and up to £5,000 for any other perishable goods
- Access to a dedicated risk management service
- Option to add accidental damage to Buildings and Landlords Contents
- Alternative Accommodation costs, up to 20% of the sum insured on the damaged building
- Damage to gardens caused by emergency services up to £25,000 for any one claim
Preferred Risk
- Houses
- Blocks of Flats
- Flats above Shops
- Office / Surgeries
- Buy-to-let
- Residents' Associations
Standard Covers
| Cover | Maximum Limit |
|---|---|
| Public and Property Owners Liability | £5,000,000 (£2,000,000) |
| Glass and Sanitary Ware | Unlimited |
Optional Covers
| Cover | Maximum Limit (up to) |
|---|---|
| Buildings** | £5,000,000* |
| Landlords Contents** | £250,000 |
| Loss of Rent | £1,000,000* |
| Employers Liability | £10,000,000 |
| Personal Accident | Capital Benefits £50,000 |
*higher limits available on request
** must insure at least one of Buildings or Landlords Contents
The amount in brackets denotes the standard limit provided.
This is a summary of the cover available. Please refer to the Policy Booklet for full terms and conditions.
