Landlord Insurance Comparison
Total Landlord Insurance believes that landlord buy-to-let insurance doesn’t have to be complicated. We have devised two distinct buy-to-let, landlord insurance policies, Essential and Premier.
Buildings
Accidental Damage to Glass and Sanitary Fittings
Accidental Damage by Tenants and/or Guests
Malicious Damage by Tenants and/or Guests
Theft by Violent and Forcible Entry
Theft by Tenants and/or Guests
Full Cover between Tenancies
30 days - Subject to Policy Terms and Conditions
30 days - Subject to Policy Terms and Conditions
Trace & Access
£1,000 - Limited to £5,000 Per Policy Year
£1,000 - Limited to £5,000 Per Policy Year
Damage to Landscape Gardens by Emergency Services
Theft of Keys/Replacement Locks
£250 - Limited to £1,000 Per Policy Year
£250 - Limited to £1,000 Per Policy Year
Loss of Metered Water/Oil
£1,000
£1,000
CCTV
Removal of Nests
Contents
Accidental Damage to Glass and Sanitary Fittings
Accidental Damage to Contents
Malicious Damage by Tenants and/or Guests
Theft by Violent and Forcible Entry Only
Theft by Tenants and/or Guests
Single Article Limit
£500
£500
Landlords Gardening Equipment in Outbuilding
Loss Of Rent/Alternative Accommodation
Loss of Rent or Alternative Accommodation
Limited to 20% of Buildings Sum Insured
Limited to 20% of Buildings Sum Insured
Denial of Access Cover
Liability
Property Owners Liability
£2,000,000 Limit of Indemnity
£2,000,000 Limit of Indemnity
Employers Liability
Excess
Standard Excess - £250 but with the option to increase to £500 or £1,000
Malicious Damage Excess
Subsidence Excess £1,000
Property Disputes cover
Telephone legal advice line
Nuisance and trespass
Criminal defence costs
Contract disputes
Buildings
Accidental Damage to Glass and Sanitary Fittings
Accidental Damage by Tenants and/or Guests
Malicious Damage by Tenants and/or Guests £25,000 Per Claim
Theft by Violent and Forcible Entry
Theft by Tenants and/or Guests
Full Cover between Tenancies
90 days - Subject to Policy Terms and Conditions
90 days - Subject to Policy Terms and Conditions
Trace & Access
£5,000 - Limited to £25,000 Per Policy Year
£5,000 - Limited to £25,000 Per Policy Year
Damage to Landscape Gardens by Emergency Services £25,000
Theft of Keys/Replacement Locks
£1000 - Limited to £25,000 Per Policy Year
£1000 - Limited to £25,000 Per Policy Year
Loss of Metered Water/Oil
£5,000
£5,000
CCTV
£5,000
£5,000
Removal of Nests
Contents
Accidental Damage to Glass and Sanitary Fittings
Accidental Damage to Contents
Malicious Damage by Tenants and/or Guests Limited to £5,000 Per Loss
Theft
Theft by Tenants and/or Guests
Single Article Limit
£1000
£1000
Landlords Gardening Equipment in Outbuilding £1,000
Loss Of Rent/Alternative Accommodation
Loss of Rent or Alternative Accommodation
Limited to 30% of Buildings Sum Insured
Limited to 30% of Buildings Sum Insured
Denial of Access Cover
Limited to 90 days
Limited to 90 days
Liability
Property Owners Liability
£5,000,000 Limit of Indemnity
£5,000,000 Limit of Indemnity
Employers Liability (Optional)
£10,000,000 Limit of Liabilty
£10,000,000 Limit of Liabilty
Excess
Standard Excess £250
But with the Option to Reduce to £100 or Increase to £500 or £1,000
But with the Option to Reduce to £100 or Increase to £500 or £1,000
Malicious Damage by Tenants/or Guests Excess £1,000
Subsidence Excess £1,000
Property Disputes Cover
Telephone legal advice line
£10,000 limit of indemnity
Nuisance and trespass
Criminal defence costs
Contract disputes
