Total Landlord Essential Insurance
Our Essential package provides a host of different standard policy features to make your life as a landlord as easy as possible.
Essential buy to let policies give you the peace of mind that you are covered if the worst should happen and also covers you between tenancies for a period of up to 30 days (subject to policy terms & conditions).
Providing essential cover for residential landlords.
Our essential landlord insurance policy provides just that, essential cover for landlords. This level of cover protects your property and investments although it does not include the more wide ranging policy features of our Premier Insurance policy.
Read more about landlord buildings insurance
Read more about landlord contents insurance
Read more about landlord liability insurance
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
