Insurance overview
There are many risks associated with letting a home which is why it's important to have the right cover in place.
Landlord insurance is specially designed to protect and help landlords handle these risks, these include the building itself and your liability as a landlord.
Our landlord insurance, provided under our Property Owners Insurance policy, covers you against damage to your property by common risks such as fire, flood, storm or escape of water, business interruption, your liability as a property owner and environmental liability.
What's included as standard:
- Property - cost of replacing locks to your buildings if keys are stolen, up to £2,500.
- Property - cost of locating an escape of water or oil, and repairing damage caused by the search, up to £25,000 for each loss.
- Business Interruption - loss of income due to damage to property used by you at the premises, up to £1.5 million.
- Property Owners’ and Product Liability - damages arising from injury to the public or damage to their property. Cover, up to £2.5 million as standard.
- Environmental Liability - damages arising from injury to the public or damage to their property, caused by pollution, including the cost of cleaning your own premises if required by a regulatory authority, up to £1million.
Additional covers you can choose:
- Employers' Liability - damages arising from injury and illness to employees, up to £10 million as standard.
- Landlords' Contents - you can add additional landlord contents cover as needed.
- Money and Malicious Attack - loss or theft of money on your premises during business hours, and while being taken to the bank or in a safe on your premises overnight, up to £5,000.
- Goods in Transit - protection of your goods while they’re in transit in your vehicles or with a third party carrier, up to £10,000.
- Terrorism - protection against property damage and loss of income caused by acts of terrorism.
- Engineering Insurance - accidental damage or breakdown of machinery and plant.
- Engineering Inspection Services provided by Vulcan Inspection Services - plant and equipment inspections and certification to prevent injury or business interruption, and to meet your regulatory obligations.
- Commercial Legal Expenses (administered by ARAG) - the cost of legal representation to defend your legal rights, and any agreed compensation awards, up to £250,000.
- Group Personal Accident - protecting yourself and employees aged 16 to 65 against the financial impact of death or disability following an accident or illness.
- Business Travel - cover for you and your employees who travel abroad on business including access to a dedicated 24/7 helpline.
This is not an exhaustive list, more information can be found in the important documents section.
The cover you choose will depend on your circumstances and your local NFU Mutual agency can explain the details including any limits and exclusions that may apply, so you can decide if it's right for you.
The cover you choose will depend on your circumstances and your local NFU Mutual agency can explain the details including any limits and exclusions that may apply, so you can decide if it's right for you.
