- Theft
- Storm and flood
- Earthquakes
- Explosions
- Fire and lightning
- Burst pipes and oil tanks
- Subsidence
- Smoke damage
- Aircraft
- Riots and vandalism
- Vehicle impact
- Falling trees
In case, the property is not occupied for a long time, the insurer will pay any accommodation costs to house your tenant(s) temporarily elsewhere. You can choose between flexible cover to suit your specific requirements. You can get the required details with a Landlord Building Insurance. This is based on the information that you provide. Hence, you must ensure you provide accurate details. The additional cover available includes Contents, Emergency Assistance and Legal Expenses.
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You must also keep a detailed record of the dates on which you have visited your buy to let property, for example to collect the rent, and whether it was in good condition. It will prove to be useful if you maintain your property in a good state of repair. In case, you fail to make any repairs to the property, the insurer will make deductions for wear and tear or gradual deterioration when you make a claim on your insurance policy. You can also get landlords buildings and household insurance.
If the property is unoccupied for more than 30 days, theft, attempted theft, malicious damage, escape of water, escape of oil, accidental damage to fixed glass, double glazing, sanitary fixtures will be excluded from this policy.
Unless agreed otherwise, a standard excess of £250 will apply to all claims for occupied properties other than for subsidence where the excess is £1,000.
Making a claim is easy. Your policy will be reviewed annually and you are free to cancel a policy at any time.
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