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• Landlords Insurance
• - Cover
• - Principle Exclusions
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Landlords

Principle Exclusions

• First £150 of any claim, both for Buildings and Contents increased to:
  • £250 for malicious damage and theft in limited postcode areas only.
  • £1,000 of any claim for subsidence, landslip or heave.
  • £500 of any claim for escape of water (e.g. burst pipes).
  • £500 if you have DSS Tenants and your property is unoccupied.
  • £2,500 contents single article limit
• All water tanks and pipes must be properly lagged and roof areas fully and adequately insulated.
• Ensure that any connected gas appliance is checked annually by British Gas or by a registered Corgi installer.
• All necessary internal and external repairs to the building must have been carried out prior to taking out the policy, unless a detailed inventory is provided recording any pre-existing but un-repaired damage, such as cracked sinks and baths.
• Properties used for holiday letting purposes.
• Properties unoccupied for more than 120 days.
• If you have DSS Tenants and the Buildings are Unoccupied for any reason You or Your agent must inspect the Buildings at least every 14 days to make sure that:
  • The gas and electricity supply is turned off at the mains;
  • The water supply is turned off at the mains and the system drained (unless adequate level of heating is maintainted from fixed heating appliances);
  • All outside doors are securely locked;
  • All ground floor and accessible upper floor windows are securely fastened and any broken windows boarded up;
  • The Buildings and all yards and areas surrounding the Buildings are free from fuel and waste materials.

You will be responsible for the first £500 of each and every claim.

Important

Split lets (student/non student/dss)

If your tenants are split between students, non students and dss in any one property you can still be easily covered. Simply indicate on the proposal form the category into which the majority of your tenants fall - the premiums are the same for all categories. If any tenants are asylum seekers these should be classed as dss, but please note that if more than 50% of tenants in one property are asylum seekers you cannot take out this policy.