Landlord Insurance

Landlord insurance from Sure Insure provides protection against loss or damage to your investment property building. Making the decision to buy a property to rent out to tenants can be very profitable. However, there are only so many things you can do to keep it safe, especially when you don't know the tenants personally. You need to protect yourself against naturally occurring damage in order to keep your rental income consistent. Making sure that you have the money to pay for the repair of damage that is left by outgoing tenants is also essential to make sure that income gaps are as short as possible.

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Your responsibilities as a Landlord

Being a landlord isn't just about making money. Not everything that happens to your property will be the fault of your tenants. If you are under-insured, you could find money for repairs coming out of your own pocket when you can least afford it. One of your responsibilities as a landlord is to make sure that your property is safe and suitable for the people that live there. Initially, things like a toilet stopping working or the oven breaking down might not seem like much. However, they are considered domestic emergencies for your tenants. That means you might be paying for a hotel for your tenants until the problem is fixed. Your tenants are completely within their rights to expect a habitable home for the rental money they pay you.

What can I cover with Landlord Insurance?

A Sure Insure Landlord Insurance policy can cover not only the exterior and interior permanent fittings. It can also cover any contents you provide for your tenant’s use. Based on the extent of cover you want to take out, you can get the cover extended for many eventualities.

Unfortunately, sometimes the worst can happen and previously reliable tenants can lose their jobs or have a life-changing accident. This can mean their finances can become very stretched. When something like that happens, they can struggle to pay rent.

However, you don't always want to jump into an eviction. Having long term tenants that have looked after your property means you might be wary of losing them over a temporary inconvenience. What if the people you get next don't look after your investment quite so well? Eviction is also fraught with legal issues. So, although a temporary gap in income is distressing, having the right cover can help ease the pain for everyone.If you are unlucky with your tenants, you can get cover for malicious damage, breach of contract, theft and damage caused by pets. Some of these scenarios might require legal proceedings, so good insurance means you can deal with the consequences before they get settled in court.

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Sure Insure Landlord Insurance
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Sure Insure Landlord Insurance Pet Damage

Some of our Landlord Insurance Specialists