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Endsleigh landlords insurance online

Endsleigh insurance services include insurance for both landlords and tenants. Get a quote online here.

When insuring a property which you intend to let, the risks associated are quite different to those insured through straight forward Home insurance. With this in mind it is important to find a specialist landlord policy. When letting a property it is vital that you inform your mortgage lender, insurer and lessee (for leasehold properties). Failure to notify these parties can result in insurance claims being refused.

When completing an application for insurance you will be asked for the re-build cost. It is important that you enter the amount of money necessary to re-build the house NOT the market value. Making the mistake of entering the market value could considerable affect the premium quoted. In some instances the re-building value will be considerably lower or higher than its market value. Older properties in the lower priced areas in the UK will cost much more to re-build that their market value. Frequently insurers will not issue cover for properties being let to 'High Risk Tenants'. 'High Risk Tenants' can include tenants such as students, multiple single sharers and tenants who receive State Benefits.

Many insurers offer a home emergency cover option which provides cover for a tradesman to call and remedy a home emergency situation, 24 hours a day, 365 days a year. This extra cover can prove invaluable for landlords who do not live near their property or who do not use a property management company. It must be stressed however, that this type of policy provides cover for emergencies only, this does not cover general maintenance. The majority of property in the UK is let unfurnished or part-furnished. It is worth enquiring into limited contents cover for your property which would cover fixtures and fittings. In addition to this, cover for liability can protect you against large compensation claims as a result of loose carpets, faulty light fittings and defective cookers.

After consultations with landlords, Endsleigh has created an exclusive insurance policy. It is competitively priced with the option of monthly payments and is specifically designed for the needs of landlords. As well as buildings cover, there is contents cover available. Landlords insurance normally carries a higher excess than your home insurance. Typically on a standard home policy, there is a �50 excess.

The excess on Endsleigh's landlord's policy is �150 but raises to �250 in higher risk areas. This allows competitive pricing but means that small claims will be settled by the landlord. Optional cover for accidental damage to the buildings is available.

Automatic cover is included for loss of rent. This protection provides 20% of the buildings sum insured to cover loss of rent while the building is repaired for any damage caused for a reason covered under the buildings policy. For example, loss of rent is covered following a fire at the building but not covered simply for not having a tenant in place. Recent updates to the policy now allow landlords to insure against Home Emergencies. For �49.50 per annum this can save a landlord a lot of time and inconvenience.

Landlords insurance is different from home insurance in many ways. One key element of cover is the unoccupied property limitations. On a standard home insurance policy this is 30 days. That is to say that if you leave your home unoccupied for more than this, your insurer can refuse to handle a claim. Endsleigh offers up to 90 days cover for unoccupancy on its landlord's policy. This is particularly useful for student properties where unoccupancy can occur over several summer months. Landlords should check carefully the levels on their policy. Some insurance companies will also exclude cover if your tenants are students or DSS tenants. These tenants do not preclude you from an Endsleigh policy. It is common for your insurance company to insist on an annual gas appliance check and an electrical wiring test if your property is pre 1970.

Home Let - Set up your own Homelet account here

Homelet landlord services include insurance for both landlords and tenants. Manage it all online, your Landlords Insurance, Tenant Credit checks and Referencing, not forgetting the Furnishing Service.

Letsure

Letsure offer landlord services to help you with insurance, tenants contents insurance, legal protection, tenant assesment & tenant referencing, home emergency call out, gas and safty checks and more!