Landlord’s Insurance

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Protection for your Investments

Do you own a buy-to-let property? Regardless of whether you have just one property or a vast portfolio, landlords’ insurance is essential. 

Whilst similar in nature to a standard homeowner’s policy, landlords’ insurance is specifically tailored to protect against risks you’re likely to face as a landlord.These can include risk of injury liability to your tenant, potential loss of rental income if you experience a period with no tenant, and property damage within the home.

Coverage for these additional risks are the reason that landlords’ insurance policies are more expensive than a standard homeowner policy. But beware – should your rental home be damaged in any way, you may be denied coverage if you only have standard homeowner’s insurance.

Most landlords’ insurance policies offer protection from the following types of losses:

  • Property Damage – Similar to dwelling coverage under a homeowner’s insurance policy, this covers damage to the structure of your home due to weather, and also covers personal property within the home. It’s a good idea to be sure that coverage for vandalism is included.
  • Loss Of Rental Income – If your property is damaged in some way, and you are unable to rent it out for a period of time, your policy may cover lost income.
  • Liability – This protects you legally if someone – i.e. a tenant or a visitor – is injured on your property.

How Can We Help

Despite the fact that this type of insurance is so vitally important to anyone with a buy-to-let property, many people avoid taking out a policy due to lack of information and advice. Many of our clients have even mistakenly believed that the insurance on the property was the tenant’s responsibility! 

At Crawford Mulholland, we have the expertise to bridge this gap – our experience in the sector is invaluable. We have many years of experience in this area and are able to provide you with everything you need to know with regards to this type of insurance. We have access to a wide range of insurers – meaning you not only have the best deal, but the deal that is right for you and your property.

Are you a landlord or a soon-to-be-landlord? Call us today on 02890 665544  to organise a free initial appointment to discuss your insurance requirements.

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