Landlord Insurance

Get a great deal on landlord insurance with Ashburnham
  • Quick & simple online policy form
  • Quotes compared from trusted UK insurers
  • Instant policy documents supplied
  • Commercial & residential insurance available

Protecting the property from potentially damaging occurrences is a major priority for landlords, which is why Ashburnham provide flexible, comprehensive landlord insurance for freehold and leasehold buy-to-let properties.

storm damage to property

Choose the level of cover you require, using our online policy form, and Ashburnham will instantly compare quotes from a panel of trusted insurers to provide you with the best value for money on your landlord insurance plan.

What Does Landlord Insurance Cover?

The most popular type of buy to let insurance for landlords is buildings cover, which protects a landlord’s most important asset ­ the property. Although this type of cover is good, owners should invest in additional protection to secure themselves from the chance of financial risks occurring.

For example, a strong buy to let insurance policy will cover a property owner’s liability and possibly include contents insurance for any furnishings they might want to protect from potential damage by lodgers e.g. ripped curtains and stained carpets.

Types of Cover Ashburnham Offer Let Property Owners

brick built houseBuildings – covers the financial cost of repairing a property’s structural damage, typically caused by the environment (flooding, storms, etc.), malicious incidents, and unforeseeable accidents (e.g. a burst water pipe).
More about landlord buildings insurance >>
red wine carpet accidentContents – protects landlords from the costs of repairing and replacing furnishings that have been stolen or accidentally damaged by tenants (recommended for proprietors letting furnished properties).
More about landlord contents insurance >>
ambulance for injuryPublic liability – indemnifies property owners against liability if an incident occurs that harms or injures someone on their premises, including cover from the financial costs of any claims made due to negligence.
More about landlord public liability insurance >>
rent paymentLoss of rent – guarantees monthly rent payments for a maximum of 6 months in the event that a tenant fails to make payment and owes in arrears (e.g. a resident has lost their job and can’t temporarily afford to pay rent).
More about loss of rent insurance >>
gas boilerEmergency assistance – covers the cost of urgent remedial maintenance that might be needed if problems, such as a boiler breaking, electrical failures, or window/door lock malfunction, arise.
More about landlord emergency assistance cover >>
gavelLegal expenses – indemnifies the expenses in pursuit or defense of any disputes connected to a landlord’s property that require legal protection.
More about legal expenses insurance >>

Types of Tenants Landlord Insurance Covers

Landlords must state what type of occupants they are letting a property out to when buying policies for residential properties. They are one of the many factors that can influence the price of premiums. Examples of the tenant types that Ashburnham cover:

  • Professional/Working tenants
  • Student tenants
  • DSS tenants
  • Housing Association tenants
  • Council tenants
  • Asylum Seeker tenants
  • Retired tenants
  • Friends/Family Member tenants
  • Company Employee tenants

Types of Occupancy Arrangements for Buy To Let Properties

There are also various occupancy and lease agreement arrangements that may exist. The most common scenarios are as follows:

  • Standard Let – the property is let to one tenant or family
  • HMOs (House in Multiple Occupation) – two or more tenants/families in the same property
  • Residential Let – the property is used for residential purposes
  • Commercial Let – the property is let to a business such as a shop or office
  • Mixed Use – for example, the property may be a commercial shop downstairs with a residential flat upstairs
  • Resident Landlord – the landlord lives at the property and rents part of it to tenants
  • Bedsits – a house with multiple self-contained bedrooms and shared facilities
  • Unoccupied – an empty house with the intention to let to tenants (learn more)

Ashburnham Insurance accept cover for all types of freehold, leasehold and tenancy arrangements. Even if it’s not listed above, a policy can normally be tailored to your specific demands and needs.

Is Landlord Insurance Compulsory?

This type of insurance is optional, however, it makes good sense if you are a landlord renting out a property, just in case something goes wrong that could incur a great financial cost.

Can you afford to carry out repairs and masonry work on your building following the occurrence of a flood that has inflicted water damage? A comprehensive policy will protect you in such eventualities.

What Locations Are Covered?

Ashburnham provide buy to let insurance for rented properties within England, Scotland, Wales, Northern Ireland, the Channel Islands of Jersey and Guernsey and the Isle of Man. Cover is also available to oversea owners such as expats and non-resident landlords living abroad as long as the dwelling that is being insured bears a UK format postcode.

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