Residential Landlord Insurance

Buildings insurance to repair or rebuild your property following a loss
Property owners' liability cover (up to £10 million)
Cover to re-house your tenants in alternative accommodation after a flood or fire
Cover for up to 10 properties in one policy
0% interest on instalments when you choose to pay monthly

What is landlord insurance?

Landlord insurance is a combination of different covers designed to protect a landlord. It is sometimes also known as buy-to-let insurance. Landlord insurance is important for anyone renting out their property. Even with the best tenants, things can still go wrong and landlord insurance is there to protect you. Protect yourself with optional adds-on including loss of rental income, which protects you should a property become uninhabitable due to damage.

As standard, you'll get trusted protection for your residential property investment. And to make sure you get the right landlord insurance, you can tailor your policy to meet your needs by choosing a range of optional extras.

What does landlord insurance cover?

Landlord insurance should always include buildings insurance, which covers damage to the structure and the cost of any repairs that may come about. Contents cover is another important part of any policy. This protects against the cost of replacing any fixtures or fittings that may be damaged during the tenancy. Other things potentially covered by landlord insurance could be liability protection in the event that a visitor to the property is injured.

Do you need landlord insurance?

If you let your property to tenants (whether you're a buy-to-let landlord or an accidental landlord renting out a house you can't afford to sell) you may need more than just home insurance.

While you're not legally required to have landlord insurance, there are risks associated with a rented property that won't be covered under a home insurance policy. And without the right cover, unexpected events could leave you seriously out of pocket.

So whether you let a small flat or a large house, we've got you covered. It's the protection you'd expect from Trade Value Group for less.

How much does landlord insurance cost?

Generally, the cost of a policy depends on whether you are insuring a house or a flat and whether it is furnished. If you rent your property to students you may have higher charges, or not receive cover by certain landlord policies at all, than if you rent to a professional couple or a family. Choose a policy which you can tailor to your needs with a range of optional extras and you can save money in the long term.

What's included with Trade Value Group Landlord Insurance?

With Trade Value Group Landlord Insurance, you get the core protection you need (including buildings insurance and property owners' liability) as standard. And to make sure you get landlord insurance that suits your requirements, you can tailor your cover with a range of optional extras.

Protect your property - and investment
	Accidental damage cover Protects your property's structure, floors and fittings, so it'll not only protect you if your tenant accidentally spills wine on your carpet, but also against things like water entering into your property if your roof leaks unexpectedly.
	Loss of rental income If your property can't be lived in as a result of fire, flooding or major damage, you may be able to claim back loss of rent. It does not offer protection if your tenants don't pay your rent.
	Contents cover Get up to £75,000 contents cover to protect any furnishings and appliances that belong to you like, beds, televisions and white goods.
	Employers' liability insurance If you employ someone to work on your property (like a gardener or a handyman) you're required by law to have employers' liability cover, which protects you against compensation claims for injury, illness or disease.