Landlords insurance UK cover is typically easy to obtain. It is a different product to ordinary owner-occupier home buildings and contents insurance and is a category of cover that relates to properties that are being used for the purposes of income generation.

If your property or even a part of it, is being used for such purposes, standard owner-occupier insurance will not be applicable or if already in place, it will become immediately invalid the moment you start using your property for rental purposes.

Landlords insurance UK cover breaks down, broadly speaking, into four main types of protection:

• buildings and contents – providing financial protection against the consequences of your property suffering damage from things such as storms and floods etc. (note that subsidence cover is becoming harder to find as standard, although some policies – such as ours – still include it);
• contents cover;
• third party liability protection (to cover the eventuality that you are sued for damages by your tenants or another third party);
• consequential cost elements – some policies will include things such as the loss of rental income in the event your property is rendered uninhabitable by an insured risk or if you incur legal expenses arising from an insured risk.

In each for those categories, the exact details of cover provided will vary depending upon the insurer and the individual policy. Given the sums you most likely have invested in your property, taking the time to read carefully the fine detail of your buy to let house insurance is typically highly advisable.

Buy to let UK insurance typically does not provide cover for unoccupied property unless you have taken steps to secure unoccupied property insurance. As a general guideline, you may find that this will be required for any property that stands unoccupied for more than 30 consecutive days.

If you are unfortunate enough to suffer a major problem with your property or its contents, your landlords insurance UK cover may be the thing that saves you from major financial disaster. As a result, searching for a policy that closely meets your needs may be an important step in helping you manage your risks.

Of course, we are on hand to help if you need any assistance, advice or landlord insurance UK quotes – simply get in touch via email or on the telephone!