Landlord Building and Content Insurance – Know More About It!

If you are a landlord, you can avail landlord’s insurance quote. You can choose from various types of insurance quotes. This kind of insurance cover provides protection against any kind of risky situation such as fire breakout or theft. You can also buy other add-ons such as Legal Expenses and Emergency Assistance. The cover will provide you protection against:

• 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

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. You must also make sure the property is in a good state of repair. If you do not keep up with repairs it could be possible that the insurer will make deductions for wear and tear or gradual deterioration when you make a claim on your insurance policy.

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. Simply contact the telephone helpline within 30 days of any damage and complete a claim form. Your policy can be renewed annually and you are free to cancel a policy at any time. With landlord’s rented building insurance, you are assured of complete protection against all kinds of possible losses.

If you are unsure as to what landlords building insurance involves, you can get the required details with the help of landlords buildings and contents insurance guide. You can find out everything about landlords building insurance.