Buildings insurance

In case disaster hits and your property gets damaged.

What’s typically covered by buildings insurance?

• damage to your property caused by incidents like fire, lightning, and explosion
• malicious and aerial damage (caused by things like aerials, satellite dishes, or masts)
• escape of water damage

For example:

• strong winds cause severe damage to the roof of your property
• a fire in the kitchen means it has to be completely refurbished

What you’ll need additional cover for:

• accidental damage to the property caused by your tenants – you’ll need to add our specific accidental damage cover for this

You can include these optional covers in the same policy, just start a quote and tell us more about your rental property.

Read more about business buildings insurance

Landlords’ contents insurance

In case disaster hits and your contents get damaged.

What’s typically covered by landlords’ contents insurance?

• damage to your property caused by incidents like fire, lightning, and explosion
• theft, as well as aerial and malicious damage
• damage caused by escape of water

Contents include things like your appliances, furniture, and household goods.

For example:

• a leak in the upstairs bathroom causes damage to the contents of the room directly beneath it

What you’ll need additional cover for:

• accidental damage to the property caused by your tenants – you’ll need to add our specific accidental damage cover for this

You can include this optional cover in the same policy, just start a quote and tell us more about your holiday home.

Read more about landlord contents insurance

Accidental damage insurance

In case your guests accidentally damage your property.

What’s typically covered by accidental damage insurance?

• unexpected physical damage to your property or buildings, contents, fixtures and fittings, caused by your tenants or their visitors

Make sure you add the right cover – as well as accidental damage protection, you’ll need to include specific buildings, contents, fixtures and fittings cover when deciding on what you want to insure, depending on the items you want to protect. Start a quote now and put it all together in one holiday let policy.

For example:

• a tenant’s suitcase scratches the wooden flooring in your hallway

a lamp you’ve provided gets broken during a tenant’s holiday stay

What you’ll need additional cover for:

• malicious damage caused by tenants, and trace/access (getting a specialist to locate the source of a problem) – these aren’t automatically included by every insurer, so check your quote carefully

Read more about accidental damage insurance

Property owners’ liability insurance

In case you’re responsible for injuries or damage, as the property’s owner.

What’s typically covered by property owners’ liability insurance?

• legal liability for injuries, accidental loss, or damage, as the owner of the property

For example:

• a guest’s child trips on a loose skirting board, falling and breaking their shoulder

a tile comes loose from the roof and damages a guest’s car parked outside your holiday let

What you’ll need additional cover for:

• accidental damage to your own property

Read more about landlord liability insurance

Excess insurance

In case you need to make a claim on your holiday lets policy.

What’s typically covered by excess insurance?

• the cost of the excess you’d have to pay when making a claim on a cover included in your holiday lets policy

For example:

• after a heavy storm you need to make a claim on your buildings cover – you don’t have to pay the £250 excess thanks to your excess insurance
• a group of holiday makers accidentally break your barbeque while staying at your property. You make a claim on your accidental damage cover, but don’t need to pay the £100 excess thanks to your excess insurance

What if my property is unoccupied?

If you’ve bought insurance for an unoccupied property, you’ll be asked to confirm if the property is expected to be occupied within 60 days of the policy starting.

After this, you must contact us to confirm when the property becomes occupied – if you don’t tell us, this can cause a delay in any claims being processed.

You should also be aware that you can’t claim for lost rent under the loss of rent section of your insurance if your property becomes unoccupied.

Are carpets and curtains covered?

The definition of ‘fixtures and fittings’ will depend on the insurer – sometimes, it will include laminate flooring, carpets, curtains and blinds.

It’s a good idea to check the wording in your policy to understand what’s covered.

Read more about landlord contents insurance and buildings insurance.

What if I have a different type of property?

You can add a range of other important covers to your landlord insurance policy, all while keeping it simple with a single premium and a single renewal date. You might consider these covers:

• Landlord insurance
• Commercial landlord insurance
• Buy to let insurance
• Building insurance
• Unoccupied property insurance
• Multi property landlord insurance
• Residential landlord insurance