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Landlords Insurance in the UK

Landlords Insurance in the UK

Are you a landlord in need of landlords insurance?

If so then check out what is on offer from Just Quote Me today. Just Quote Me is one of  the UK’s leading insurance comparison websites and as such it should be your first port of call when you’re looking to find landlords insurance that meets your specific needs.

All to often, landlords purchase generic insurance only to find that it doesn’t provide them with adequate cover when they need it most. If you’re a UK Landlord then visit Just Quote Me today.

When you’re looking to protect your property and your contents, landlords insurance is a necessity. It can cover you against financial losses associated with your rental property and can provide you with much needed peace mind when other people are living in your house or flat.

Our policies cover Buildings Insurance, Landlords Contents Insurance, Property Owners Liability as standard we can also cover rent guarantee, Employers Liability Insurance, cover for residential or commercial properties or a mixture of both, in fact any rental property can be covered via our fantastic quote systems!

Just Quote Me has been a leader in its field for the past 30 years and as such it has built up a robust customer base that continues to grow and expand. To get an instant quote for landlords insurance, simply input your information on the form on the website or call 0800 084 2325 to speak to one of the team.

To Compare Landlord Insurance Quotes Online:

Go to our online Quote System or call us for FREE on 0800 084 2325

Compare Landlord Insurance Quotes Online

Compare Landlord Insurance Quotes Online

Landlord Insurance Quotes

If you are a landlord then you will most likely already know that you need to cover the risk of any potential loss resulting from your property letting activities. The problem is that there are a few barriers to obtaining this type of cover which you may or may not be aware of already.  At Just Quote Me we can help you Compare Landlord Insurance Quotes Online.

Being turned down for landlord insurance is really not what you want to hear when you are a busy property owner with many other things to worry about!  We have an online quote system for all your landlord insurance quotes – so why not try it out today or give us a call for FREE on 0800 084 2325.

Looking for Landlord Insurance but been refused insurance cover before?  See some of the reasons below…

The most obvious reason for being refused insurance will often be the simple fact that you were refused insurance in the past.

For businesses providing cover, this is of course a simple way for them to mitigate their risk, filtering out those potential new customers that have been deemed to be too high a risk in the past!

Should this be the case with your property then check the small print of the policy with your provider. You need to be certain that you do have insurance in place, whatever the case may be.

Is your rental property secure from break-ins?

You will often be asked when you are arranging property insurance about the type of locks that you have got installed in your front door. You may also be asked to guarantee that all of your properties windows can be locked with a key. Naturally, it is most sensible to fit locks to your doors and windows that comply with the highest security standards, for peace of mind if nothing else.

The thing is, you may not know that your insurance request may be declined if you do not comply with the relevant security standard that the Insurance provider has chosen to adhere to.

Again, check the policy detail to see exactly what the requirements actually are, do not just sign-up blindly to anything!

You should have put formal tenancy agreements in place

In this day and age, the vast majority of insurance companies will require their landlord customers to have signed formal tenancy agreements with their rental properties tenants. If you do not already have tenancy agreements in place then, again, check with your provider.

In certain cases, cover may still be possible, for example if you are renting to family or friends, but so check first.

Declared bankrupt or have a Credit history with CCJ’s (County Court Judgement’s)?

Should you have been declared bankrupt or had any CCJ’s issued against you, then you may find that it is not possible to arrange landlord cover. This however depends on the cover provider. It is still possible to arrange a policy. If in doubt, contact us today and we will explain exactly what is possible. 

Still a little confused about arranging Landlord cover?

So there you have it, several examples of the sometimes unexpected issues that can crop up and get in the way of you being able to arrange the cover that you need in order to cover the risks that you face as a property owner letting out their accommodation.

We will always go the extra mile to make sure that you obtain the cover that you need. Simply get in touch with our friendly team at Just Quote Me and let us show you how we are different!

To get a FREE no obligation Landlord Insurance quote:

Go to our online Quote System or call us on 0800 084 2325

Compare Landlord Insurance Quotes Online

Compare Landlord Insurance Quotes

Landlords Insurance is a different type of Insurance to standard Home Buildings and contents Insurance, standard Home Insurance policies do not cover many of the contingencies required by Landlords Insurance.

There are various specific unique insurance covers needed such as Property Owners Liability Insurance, this is cover for the Landlord or Property Owner. This will cover for injury to the general Public as part of the Landlords buildings Insurance. A common claim could be, for instance, where a loose roof tile comes off in a storm and hits either a third party person or third party’s property. In such a case it is then that Property Owners Liability Insurance, which is part of the covers JustQuoteMe Landlords Insurance provides, comes into its own.

How do you compare Landlords Insurance quotes and what does it cover?

First of all, compare the small print detail of the Landlords Insurance. Look at each individual section of the policy and compare your shortlisted policies side by side.

Another cover section that is unique to Landlords Insurance or Property Owners Insurance is that this type of Insurance cover helps with Loss Of Rent.

Quite often, during a major loss, the landlord or property owner can be left waiting to get repairs effected and will be in the hands of builders until the repair work is completed. It is one thing to rebuild the property, or repair property damage, but what about the loss of rental income during this period? Well this is where this cover section can prove to be invaluable for property owners and landlords. It means that any of our clients, with Landlords Insurance and Property Owners Insurance cover, can continue with their lives whilst the bricks and mortar are replaced!

And what about the all-important buildings sum insured amount you may ask? Well, what on earth do you, as a landlord seeking property owners insurance, set the sum insured to? Here is a bit of a tip regarding the buildings sum insured – it should be set for the cost of any potential rebuild and not the saleable value of the property!

Remember, a property in for instance London, may sell for ten times the value of a property in the North of the UK, but the rebuild cost is virtually the same. It is the same give or take the varying builders rates in different areas, so be careful when setting the building sum insured! Make sure that it covers just the rebuild cost. We would also always advise a contingency of, say 15%, on top of that figure for debris removal too. This is because the builders will have to clear the site before they can actually make a start and commence the rebuild!

Our Property Owners Insurance and Landlord Insurance Cover

Our unique Landlords Insurance can also accommodate ‘Landlords contents Insurance’. This is great if you provide, for instance, white goods or basic furniture which in the event of a total loss you would want repayment for. In this way, you can mitigate your risk as a property owner and this is another option we can incorporate for you.

Rent guarantee and Landlords legal expenses are another key area that a lot of providers forget to either advise on or can’t actually offer cover for. JustQuoteMe can offer both and, bear in mind, Rent Guarantee Insurance covers the Landlord for loss of rent subject to the tenant not paying the rent. This is known as an insured peril! If you have a large portfolio of property then this type of cover can prove to be invaluable. Finally, Landlords legal expenses covers you for legal disputes with Tenants etc. and assist both parties in, hopefully, coming to an amicable agreement.

Landlords and Property Owners Insurance cover can be a bit of a minefield but, with the right policy in place, you can rest easy with Just Quote Me!

To get a FREE no obligation Landlord Insurance quote go to our online Quote System or call us on 0800 084 2325.