Landlords' Contents Insurance
Whether your property is fully furnished or just part furnished, it always pays to purchase Contents Insurance as the tenant’s deposit which is generally one month's rent does not cover all content costs. Our "New for Old" policy and accidental damage options will help you manage your maintenance costs better.
Product
Name |
Price
(excl. tax) |
| Landlords Contents Insurance |
On Application |
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Why Choose Smartlandlord.co.uk®?
- Quick and easy to apply.
- Designed for buy to let properties on a fully / part furnished basis.
- New for old replacement.
- Helpful and professional service.
Policy provides cover against*:
- Fire, lightning, explosion or earthquake.
- Aircraft and other flying devices or items dropped therefrom.
- Storm, tempest or flood.
- Escape of water from any fixed water or heating installation.
- Subsidence, landslip or heave of the site upon which the buildings stand.
- Theft or attempted theft.
- Impact by any vehicle or animal.
- Falling trees, telegraph poles or lamp-posts.
- Smoke damage.
* For full list of what is included in Landlords' Contents Insurance cover please see the 'Property Insurance Wording' and 'Landlords Property Insurance Policy Summary' document below.
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Q. Do I need Landlords' Contents Insurance?
A. Although not a legal requirement in the UK it is still a very good idea to invest in Contents Insurance, especially if your property is fully / part furnished. Cover would be a good choice for landlords wanting to protect their semi-furnished property against loss or damage to items supplied to tenants, such as carpets, curtains, furniture, pictures and electrical equipment (e.g. vacuum cleaners, TVs, light fittings, fridges, washers, dryers etc.).
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. Do you offer a new for old policy?
A. Yes. The basis of settlement shall be the cost of replacing the article new, provided that the article is substantially the same as, but not better than the original article when new and that you incur the cost of replacement.
Q. What add-ons are available with this policy?
A. With this policy you can choose a number of add-ons, such as Building 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.
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| 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:
- Make a full inventory of your property, with photographic evidence and value
- For all claims in respect of damage or loss obtain a minimum of two detailed estimates
- 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
- Take all reasonable steps to recover missing property
- Keep a detailed record of the dates in which you have visited and inspected your property
Don't:
- Leave the building unoccupied for 30 days or more
- Expose your contents to unnecessary risks by not purchasing adequate cover
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