Landlords' Buildings Insurance
Landlords’ Buildings Insurance covers the risks your buildings are exposed to. Our quick quote system will help you to get your quotes in just a few clicks. You can also buy other add-ons such as Legal Expenses and Emergency Assistance.
Product
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Price
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| Landlords Buildings Insurance |
On Application |
Get a Quote:
To get a quote, please click 'Buy Now' and provide your requirements. There is no obligation to buy and you can save your quote until you're ready to buy.
Protect your investment property against fire, flood, theft, burst pipes, subsidence and more today - instant cover available
Smartlandlord.co.uk® can provide you with Landlords' Buildings Insurance for a competitive price!
- Smartlandlord® Landlords Buildings Insurance protects against loss or damage through:*
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- Theft
- Storm and flood
- Earthquakes
- Explosions
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- Fire and lightning
- Burst pipes and oil tanks
- Subsidence
- Smoke damage
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- Aircraft
- Riots and vandalism
- Vehicle impact
- Falling trees
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- Online quote 24/7 within seconds - with no obligation
- "New for Old" - full cost of repair or replacement
- Instant insurance cover - or from a start date of your choice
- Property Owners Liability up to £2 million
- Flexible additional options available, including Contents cover
Get Smartlandlord.co.uk® Landlords' Buildings Insurance cover at a competitive price and protect instantly against potential damage.
Key Features:
- Your cover includes Property Owners Liability up to £2 million.
- You can get an online quote 24/7 within seconds in most cases - with no obligation.
- Your quote will be emailed to you. Just contact Smartlandlord.co.uk® if you’d like to go ahead and insure your property.
- A dedicated customer service telephone number with highly trained and efficient staff to answer any questions you may have Monday to Friday 9am to 5pm.
- Your cover starts as soon as your payment has been processed or on a future date of your choice.
- Your Landlord Buildings Insurance also covers you against the loss of rent up to 20% of the sum insured on the buildings damaged or destroyed if the property is uninhabitable.
- If your property is uninhabitable, the insurer will pay any accommodation costs to house your tenant(s) temporarily elsewhere.
- You can select flexible cover to suit your specific requirements.
- Making a claim is easy. Simply contact the telephone helpline within 30 days of any damage and complete a claim form.
- Your policy can be renewed annually and you are free to cancel a policy at any time.
* For full list of what is included in Landlords' Buildings Insurance cover please see the 'Property Insurance Wording' and 'Landlords Property Insurance Policy Summary' in our 'Online Resources' Section.
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Q. Do I need Landlords' Buildings Insurance?
A. Most lenders insist that landlords take adequate protection for all risks their let properties are exposed to. It is useful to check your mortgage terms and conditions. Although not a legal requirement in the UK it is still a very good idea to invest in Buildings and Contents Insurance. If your house was to flood or suffer fire damage, without appropriate cover you could be thousands of pounds out of pocket.
Q. Do you offer a "New for Old" policy?
A. Yes. In the event of loss or damage to the buildings, the insurers will pay the full cost of repair at the time of such loss or damage provided that the buildings are maintained in a good state of repair, that they are insured for the full cost of reconstruction in their present form; and that reinstatement shall have been effected. If the buildings are not in good state of repair insurers will make a deduction for wear and tear or gradual deterioration.
Q. What is the difference between Buildings Insurance and Contents Insurance?
A. With Contents Insurance you are primarily covered for theft or damage (see policy document for full details) to the interior of the property and Building Insurance covers the majority of what remains.
Q. What add-ons are available with this policy?
A. With this policy you can choose a number of add-ons, such as Contents Insurance, Emergency Assistance and Legal Expenses.
Q. Can I cancel my policy or make changes at any time?
A. You cancel your policy within the first 14 days of inception without any extra charges.
Q. Why won’t the website give me an instant online quote? Why has my quote been referred?
A. It may be that one of the answers you gave requires some personal attention due to your particular circumstances. If one of our experienced representatives has not already contacted you, please feel free to call us quoting your reference number and we can discuss you specific requirements and assist you further. |
If you wish to make a claim please follow the procedure below
a) As soon as reasonably possible and in no circumstances beyond 30 days of the incident, notify insurers with full details, complete a claim form and provide all required information and assistance.
If you need a supply of claim forms then;
b) For all claims in respect of damage or loss obtain a minimum of two detailed estimates unless otherwise agree, only undertake emergency work to prevent further loss and not under any circumstances effect full repairs without insurers' prior consent.
c) Immediately notify the Police following loss or damage by theft, attempted theft, malicious damage, violent disorder, riots or civil commotion or the disappearance of valuable items and obtain the Crime Reference Number.
d) Please gain the written consent of the insurer before taking responsibility for any action that may result in a claim. The insurer will conduct any negotiations, proceedings or settlements of claims.
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Dos and Don'ts
Do:
- Ensure that your building is in a good state of repair
- Keep a detailed record of the dates in which you have visited and inspected your property
- Immediately notify the Police following loss or damage by theft, attempted theft, malicious damage, violent disorder, riots or civil commotion or the disappearance of valuable items
Don't:
- Leave the building unoccupied for 30 days or more
- Expose yourself to risks by having inadequate cover
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