Landlord insurance
When you are a buy-to-let landlord, you need buildings insurance as you would on any mortgaged property. But rather than opting for standard building cover it’s advisable to take out a specialist landlord insurance policy.
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STEP 3We'll arrange the mortgage
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This usually covers the building against damage from fire, flooding and subsidence and may have the option to protect any contents inside the rental property from potential damage caused by tenants.
Additional cover that can be of value to landlords includes legal liability cover, in the event that a tenant or member of the public claims for personal loss or injury against you. Some landlord insurance policies will also cover you if you suffer a rental void period up to a set period within the policy term, damage repair, income cover and legal costs in the event you may have to evict a tenant.
As buy-to-let is an investment, the cost of insuring the property sufficiently should be factored into your profit assessments.
Want to find out more about landlord insurance and what it could cost you? Talk to one of our specialist advisers today.
