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.

Our essential insurance cover offers landlords a solid, reliable and flexible way of protecting their property and investments. Developed specifically to cover all types of circumstances, our Essential package includes cover for theft by violent and forcible entry, as well as accidental damage to glass and sanitary fittings – ensuring you can have maximum peace of mind.

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
Trace & Access
£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
Loss of Metered Water/Oil
£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
Landlords Gardening Equipment in Outbuilding
Loss Of Rent/Alternative Accommodation
Loss of Rent or Alternative Accommodation
Limited to 20% of Buildings Sum Insured
Denial of Access Cover
Liability
Property Owners Liability
£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
£10,000 limit of indemnity
Nuisance and trespass
Criminal defence costs
Contract disputes

Total Landlords Insurance’s Premier package combines the peace of mind of our Essential package, with a comprehensive selection of enhanced benefits. With our Premier insurance policy including cover for malicious damage by tenants and their guests, as well as extensive property disputes support, premier benefits with our Premier insurance cover.

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
Trace & Access
£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
Loss of Metered Water/Oil
£5,000
CCTV
£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
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
Denial of Access Cover
Limited to 90 days
Liability
Property Owners Liability
£5,000,000 Limit of Indemnity
Employers Liability (Optional)
£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
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