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Let Property Insurance for UK Landlords

Let-Property-Insurance.org.uk provides useful information for all UK landlords who are seeking building and contents insurance for their let property. We are here to help answer all your buy to let insurance queries whether you are a first time buyer or an experienced property owner.

Will home insurance cover my let property?

This is a common mistake made by first time landlords. Normal home insurance will not cover a property if it is let out. Even though the cover is almost identical, you need to take out a landlord insurance policy otherwise your policy will be worthless.

What cover is included in a buildings and contents policy?

As said in the previous question, the policy is almost identical to a normal house insurance policy. A let property insurance policy would normally give you a few extras such as property owners liability, loss of rent cover and malicious damage by the tenant. These obviously do depend on what insurer you use so always check first. Also remember that although the buildings cover works in the same way, contents will only cover your belongings that you leave in the property and not the tenant's items.

Which landlords insurance companies are best?

This is a difficult question to answer due to the definition of best but one thing you really should check is that the insurance company you used is authorised and regulated. If this is the case then next check the level of cover you have against the premium and make your own judgement as to the best deal. Try using a broker that compares let property insurance quotes so that they do the hard work for you. This saves you time and effort and will hopefully save you some money as well.

How do I get a let property insurance quote?

We recommend using a specialist landlords insurance broker as they can search for the best possible price from a panel of insurers. Normally they will have negotiated special rates that you won't be able to get if you go direct to the insurance company themselves. Some insurance companies save advertising costs by only dealing with insurance brokers. Their saving is then passed on to you, the customer, in the let property insurance quote.