Landlord insurance online may not always be obligatory (though your buy to let mortgage provider may ask that you have the necessary protection) but it may help protect your finances:

• as a landlord, you may typically have significant sums of money tied up in your property and possibly its furnishings as well;

• landlords cover insurance exists to try and provide you with protection for those invested sums;

• cover is typically available for the landlords buildings, contents and people-related risks (third party liability insurance) – some policies may also offer ancillary cover benefits;

• owner-occupier home buildings and contents insurance is typically not valid for properties that are being used for the purposes of generating rental income – that may even include properties you reside in but where you are letting out a room or rooms;

• insurers typically have methods of establishing whether or not your property was being rented out at the time an incident leading to a claim took place, so looking for modest savings by trying to use owner-occupier cover may not be sensible (your claim may be refused at it may also be an offence);

• our services may hep you find a cost-effective solution to your landlords cover needs;

• the various forms of landlord insurance online may cover similar-sounding categories of insurance but the way they implement them may be significantly different, therefore, it is important to read a policy carefully before deciding to purchase it;

• one example of difference is provided by loss of rental income cover – some landlord insurance online policies may contribute towards those costs if your tenants are forced to move out due to an insured risk making your property uninhabitable, however, not all policies may do so;

• you may also find that some policies may typically offer cover irrespective of the classification of your tenants whereas others may not offer cover for categories of tenant such as DSS recipients or students etc;

• if you think there is a possibility that your property will be left standing unoccupied for more than 30 consecutive days, you may wish to consider unoccupied property insurance as any existing landlord insurance may become invalid in such situations – even where you have not had direct control of the circumstances leading to the 30 day limit being passed (do note that with some let property insurance, the limit may be different);

• some policies may provide additional forms of cover, such as a contribution towards the legal costs if you are sued for third party liability or for malicious damage to your property by tenants;

• if your property is precious to you, it may pay to take landlord insurance online seriously.