Landlord Contents Insurance
Landlord's Contents Insurance Backed By ‘Exceptional’ Service
Want to save money on your landlord contents insurance? Let the landlords’ contents insurance specialists at Coversure Hull compare our markets to find you the landlord and contents insurance that’s right for you. Whether you have residential lets, commercial lets or a mixture of the two, call us today on 0800 977 6037 and let our award-winning team help you get the protection you need.
Landlord's contents insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of landlord insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your landlord's contents insurance today.
What is landlord contents insurance?
Landlord contents insurance, or landlords’ contents insurance as it’s also known, is an important cover that can fund the repair costs or replacement of items that you provide to your tenants in your rental property. Most policies define contents as being any free-standing items such as:
- Cookers
- Washing machines
- Tumble driers
- Fridges
- Tables
- Beds
- Sofa
- Free-standing bookcases
Most policies will also offer cover for other contents such as carpets, linoleum and laminate flooring should they be damaged, stained or destroyed. You can also get protection against loss of metered utility supplies such as water, gas, oil, and electricity as well as the contents of any outbuildings you may have. Landlord contents insurance can also be extended to cover other risks, including:
- Replacement locks - in case someone loses the keys to the property or following a burglary where keys are taken
- Alternative accommodation for your tenants - if they need to move out following an insured incident such as a fire or a flood
- Landlord’s liability insurance - which covers you should you be sued for damage to someone else's property, or someone is accidentally injured while in your property by, for example, tripping on a loose piece of carpet
- Landlord emergency insurance - which gives you 24-hour access to professional assistance in the event of an insured emergency at your property
- Legal expenses insurance – this covers the cost of defending your legal rights and covers/contributes to the costs associated with things such as repossession, tenant evictions, the eviction of squatters and tax protection
- Landlord rent guarantee insurance - If your tenants can't pay, this covers you for the unpaid rent and legal fees until they move out. You can find out more about landlord rent guarantee insurance here.
- Malicious damage by tenants insurance
- Theft by tenants insurance
Do landlords need contents insurance?
While landlord's contents insurance isn’t a legal requirement or even a condition of getting a mortgage like buildings insurance, it’s still an important cover to have in place. If you are providing your tenants with items like furniture, electronic goods, and white goods these need protecting in case they are damaged, destroyed or stolen. Some insurers also offer liability insurance for landlords, in case any items in the property cause damage to tenants or their property.
What isn’t covered by landlord's contents insurance?
Most policies won’t provide cover for:
- Valuables – most policies will have per-item limits, so things like jewellery are either unlikely to be covered or will need specialist individual protection
- Wear and tear - landlord contents insurance is designed to protect items if they are accidentally broken or stolen. It won’t cover items that are worn out through use
- Illegal activity - contents insurance won't cover any damage or loss to your belongings if the property was used for or involved in illegal activity, even if the insurable loss/damage is unrelated. So, if your tenants are running a cannabis farm in your rental property – an increasing problem – then if your contents are damaged you won’t be able to claim
- Empty properties - the contents of empty properties won’t be covered either. You can get contents cover as part of an unoccupied property insurance policy, but standard landlords’ contents insurance won’t protect you
If you have any questions about landlords’ contents insurance, then please call us on 0800 977 6037. Our team of independent landlord insurance specialists will be happy to give you all the advice you need.
How much landlord’s contents insurance should you have?
The amount of cover you need will depend on factors such as:
- The value of the contents you have – something you can gauge by doing a room-by-room inventory
- The age and condition of your contents – newer ones will have a greater value and need greater protection
- If you need cover for specific higher value items
What types of property can landlords’ contents insurance cover?
Landlord contents insurance through Coversure Hull can cover residential properties, commercial properties, or a mixture of the two, so we can offer contents protection for:
- Flats
- Buy-to-let houses
- Shops
- Cafés and restaurants
- Factories
- Warehouses
- Mixed property portfolios
- Houses in multiple occupation (HMO)
These are just some of the types of rental properties we can offer protection for. If you have something specific in mind, please call us on 0800 977 6037.
How much does landlord’s contents insurance cost?
At Coversure Hull we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your landlord contents insurance quote will depend on things like:
- Your property’s postcode
- How many properties you have
- Whether they are commercial, residential or both
- How many tenants you have
- The policy limits you want to set
- Your property’s security
- The level of excess you are prepared to pay
- Your claims history
If you’d like to know how much a landlord’s contents insurance policy will cost you, please get in touch. You can call us on 0800 977 6037 or start your landlord contents insurance quote today.
How to get cheaper landlord contents insurance
An easy way to get cheaper landlord's contents insurance is to use a specialist independent insurance broker such as Coversure Hull. With our knowledge of the market and insurer relationships, we can help you get cheaper landlord contents insurance quotes. Other ways include:
- Improving the property’s security
- Maintaining your property to reduce the risk of a claim
- Choosing lower policy limits, if possible
- Raising your excess
Landlord contents insurance FAQ
Landlords’ contents insurance is a complex area of cover and it’s important to get it right. To help you get the protection that’s right for you, here are our landlords’ contents insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
Q. Is landlord contents insurance a legal requirement?
A. No, but it makes an awful lot of sense
Q. Why does a landlord need contents insurance?
A. Because accidents happen and thefts can occur. The cost of replacing a set of white goods, furniture, carpets and other contents can be high
Q. What level of landlords’ contents insurance do I need?
A. That will depend on things such as the value of your contents you have, their age and condition, and if you need cover for specific higher value items
Q. What types of property can be covered?
A. We can offer contents cover to landlords with all kinds of property, both commercial and residential
Q. How much does landlords’ contents insurance cost?
A. That will depend on things such as:
- The number of properties you have
- Your property’s postcode
- How many properties you have
- Whether they are commercial, residential or both
- How many tenants you have and what type they are
- The policy limits you want to set
- Your property’s security
- The level of excess you are prepared to pay
- Your claims history
Q. How can I get a landlord contents insurance quote?
A. Getting a quote is easy. You can start your landlord contents insurance quote here or call us on 0800 977 6037
Get a landlord contents insurance quote today
If you'd like some landlord's contents insurance help or a landlord contents insurance quote call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
