Residential Landlord Insurance - Landlord Buildings and Contents

Buy to let insurance is not a legal requirement but it is highly recommended. Getting the right landlord insurance is a necessity as the standard residential home owners insurance does not cover as many risks and is not specialised enough. RLA insurance covers all the standard perils as well as providing the following cover for residential buy to let properties of all sizes throughout the UK:

Accidental damage
Loss of rent up to 30% of sum insured
Property owner’s liability from £2,000,000
Terrorism cover
Up to 90 days unoccupancy allowed
Cover is ‘new for old’
Standard excess: £100 for buildings and £50 for contents
Subsidence cover
Trace and access for underground pipes and cables
Removal of bees and wasps nests

or call 0845 660 9990

See how much money you can SAVE with RLA Insurance...


Rentguard
Acumus
FCC Paragon
Homelet
Morethan
Simple
Directline

Underwriter	BSI - min	CSI	Premium	Rating Structure	AD Cover Buildings	Subsidence	Unoccupancy	Liability Cover	Terrorism	Loss of Rent/ Alt Acc	Excess Pro	Cover Level	FLEEA, Theft, Mal D, Impact, Storm, EoW, EoO	Contents removed/In transit	Pipes & Drains	Trace & Access	Metered Water	Glass	Gardens	Keys & Locks	CCTV	Debris removal	Nests	Emergency Access	Additional Expenses	Oil & Water Apparatus
Equity RedStar	£35,000	£1,000	£148.63	No	Yes	Standard	45 Days	£5m PL & £10m EL	Yes	30% SI	£100 (£50 for Contents)	Full AD on Buildings, All types of Properties covered (flats, houses etc), All types of lets insured.... AD cover for glass/mirrors, sanitary/ceramic fixtures, audio/visual units etc... Landlord contents excess is £50	Yes	Yes - 20% SI	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Fortis	...	...	£181.13	Postcode rated	Add-on	Standard	30 Days	£2m PL	No	20% BSI	£250.00	No AD if property is a holiday home or tenants are NOT Pros. Age of Insured preferential if they are over 35.	Yes	No	Yes	Yes	Yes	Yes	No	No	No	Yes	No	No	Yes	No
Zurich	...	...	£345.91	Postcode rated	Yes	Standard	60 Days	£2m PL & £10m EL	No	20% BSI	£100.00	No SI for buildings - all have to insure up to £500,000	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	No
Groupama & Propgen	...	...	£1,197.25	ALL factors	Add-on	Standard	90 Days	£5m PL & £10m EL	No	limited to £50,000 BSI & 30% for CSI	£100.00	2 Covers available. Do not cover Leasehold Flats. All Mal D claims excess £500. Quotation factors down to era property was built: same quote, property built between 1949-1979: £744.53. Cancellations are by letter & ambiguous of return of premuim for uninsured months...	Yes	Yes	Yes	Yes	Yes	No	No	Yes	No	Yes	No	Yes	No	Yes
RSA	...	...	£657.10	...	Add-on	Add-on	Non given	£2m PL & £10m EL	No	20% SI	From £50	Unoccupancy must be notified immediately and there is no grace period allowed. Cancellation fee of £55 for each policy, the certificate has to be returned for the cancellation to be effective & it all has to be done in writing.	Yes	No	No	Yes	Yes	Yes	Yes	Yes	No	Yes	No	No	Yes	No
Fortis	£75,000	£5,000	£218.20	Postcode rated	Pros and Retired only	Add-on	30 Days	£2m PL & EL can be an add-on	No	20% SI	£200.00	Escess for EoW is £1,000 as standard, £500 for contents in detached buildings for theft	Yes	No	Yes	Yes (limited)	Yes	Yes	No	No	No	Yes	No	No	Yes	No
RBS	...	...	£344.08	...	Yes	Add-on	20 days	£2m PL & £10m EL (add-on)	No	20% SI	£200.00	Professionals lets only. Mid term adjustments (amendments) have an addition fee of £21	Yes	Yes - 10% SI	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	Yes - limited	Yes	No

Residential Landlord Insurance - Landlord Buildings and Contents

or call 0845 660 9990

See how much money you can SAVE with RLA Insurance...

<< Go Back To Main Insurance Page