Landlord insurance - what cover do you need?
Standard home insurance usually doesn't cover a let property. Here's what landlords commonly consider. This is general information, not advice.
Common types of cover
- Buildings insurance (often a mortgage requirement)
- Landlord contents for furnished lets
- Property owner's liability
- Rent guarantee and legal expenses
- Accidental damage and malicious damage by tenants
Check the small print
Look at unoccupancy limits, HMO or student let exclusions, and whether you must tell the insurer about void periods.
Keep renewals on track
Missing a renewal can leave you uninsured. Estateflow tracks insurance as a document with expiry reminders and logs the premium as an expense.
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