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
Name |
Price
(excl. tax) |
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| Landlords Buildings Insurance |
N/A |
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| Smartlandlord® Landlords Buildings Insurance protects against loss or damage through:*
- Theft
- Storm and flood
- Earthquakes
- Explosions
- Fire and lightning
- Burst pipes and oil tanks
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- Subsidence
- Smoke damage
- 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
Protect your investment property today - instant cover available.
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- Your cover includes Property Owners Liability up to £2 million.
- You can get an online quote 24/7 within seconds - 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 Building 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.
- A quote for Landlord Building Insurance is based on the information that you provide, so please be sure to provide correct details.
- Additional cover available includes Contents, Emergency Assistance and Legal Expenses.
- You should also keep a detailed record of the dates on which you have visited your buy to let property, for example to collect the rent, and whether it was in good condition.
- Please make sure that you maintain your property in a good state of repair.
- If you do not keep up with repairs it could that the insurer will make deductions for wear and tear or gradual deterioration when you make a claim on your insurance policy.
- If the property is unoccupied for more than 30 days, theft, attempted theft, malicious damage, escape of water, escape of oil, accidental damage to fixed glass, double glazing, sanitary fixtures will be excluded from this policy.
- Unless agreed otherwise, a standard excess of £250 will apply to all claims for occupied properties other than for subsidence where the excess is £1,000.
- 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' Building Insurance cover please see below:
| Property Insurance Wording |
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| Landlord Property Insurance Policy |
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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.
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