Advertisements promising a cheap landlord insurance quote are understandably eye-catching, however, they may also generate some questions.

Here are some of these questions and associated responses.

Does it make sense to look for a cheap landlord insurance quote?

The answer to this question must be a qualified yes.

Prices may vary between insurance providers and therefore looking around only makes commonsense.

The qualification, however, relates to the fact that this does not mean that it may make sense to look for the cheapest quote you can find and put price above all other considerations.

What proves to be cheap for another person may not prove to be cheap for you in the longer term, if you end up with buy to let house insurance that is not suitable for your purposes – something that may prove to be a very expensive realisation if discovered only at the time you are trying to make claim.

So while price is inevitably important and a factor that you may be unlikely to overlook, remember to keep in mind that it may be more sensible to look for cost-effective landlords insurance rather than exclusively a cheap landlord insurance quote.

Does cost-effective cover imply a compromise in the quality of protection?

No, not necessarily.

There are a large number of factors (too many to discuss here) that may influence the premium a buy to let insurance provider associates with a given policy and the situations that they will take on cover.

It may be perfectly possible to find excellent cover that is also cost-attractive – and that is where our services may be able to help.

My property is unoccupied at the present time – does that make a difference?

It may do.

Landlords insurance policies typically cover unoccupied properties up to a maximum of 30 consecutive days without occupation.  After that period of time, your standard insurance may become invalid and you may need to consider getting an unoccupied property insurance quote.

If your property is unoccupied and covered by this form of unoccupied property insurance, you may find that certain additional conditions apply such as needing to keep your property in good external appearance and ensuring that it is visited regularly.

You may also be obliged to drain down all water and heating systems – something that may be particularly important at this time of year when the risk of frosts and burst pipes is particularly prevalent.

A standard cheap landlord insurance quote typically will not include unoccupied property cover.