A standard commercial let property insurance should cover all of this without any issues. It should also cover property owners liability within such a policy. Speak to any decent landlords broker...

All of our landlord insurers only class the property as unoccupied mid-term if the property has not be lived in for 30 consecutive days. This means that the normal full cover applies for this period...

Hi Matiz,

I wouldn't say it is impossible to include what you want on a landlords buildings insurance policy and this would certainly be the most cost effective way of it being covered but I think...

Yes, this is quite a common scenario we come across. Should be no problem insuring the building as a whole under a landlords building insurance policy.

You will probably have to insure the...

I've just spoken to one of my landlords insurance team here and he said that getting buildings cover for this scenario shouldn't be a problem but including malicious damage by the tenant in the cover...

Most landlords insurance providers should be able to cover a period of unoccupancy as this is kind of expected between tenancies.

As the above post suggests, speak to your current provider. It is...

We deal with several insurers and most of them have no issue with a tenancy agreement being less than 6 months. I think some of them may add a small premium loading due to this fact but as long as...

If each leaseholder has their own separate building insurance for each separate flat then in the event of a claim affecting both upstairs and downstairs flats then both insurers would be contacted...

If the insurance policy specifies conditions a), b) & c) then all three must be met otherwise you risk the property not being insured. They seem a little bit over the top for the average landlords...

I know you are pushing for a "best company" response but as a broker we have a responsibility to only offer insurance companies that have a good claims handling record. If they didn't then it would...

You would think that insurers offering home insurance and landlord insurance would use the same claims methods but it seems the ones which do, in most cases, keep these two types of policy quite...

Yes this isn't a problem for a decent landlord insurance broker. Try a few companies from the LandlordZONE Insurance Directory.

I can't comment on rebuild costs as not my line of expertise but insurers will send loss adjusters out at the time of a claim and it is them who decide on the rebuilding cost. They will all have...

All you have said sounds quite plausible as sometimes an insurer will have a policy scheme (i.e. for commercial properties) and will then decide to extend its scope (i.e. to include residential...

10 pages of exceptions sounds a bit excessive! Are you sure these are listed as exceptions? Quite often an insurer will have a large list of "endorsements" in their policy booklet which are only in...

I'm afraid this becomes a legal issue and not my expertise. I would hope an insurer would read all the facts you have put here and pay without too much of a problem. They might need a bit of...

You are right in that liability claims can reach enourmous levels (hence most insurers provide £2M cover) but also bear in mind that a large fire or some other unexpected disaster could mean the...

This is purely the insurance view of the situation - sometimes lease agreements and the want to keep the peace with neighbours may over-ride this - so take the following with a pinch of salt.

If...

This is actually considered a liability product and possibly why the landlord insurers on here are unable to help. We specialise in both landlords and liability and are therefore able to provide...

Absolutely Dottie, and that is why you have insurance - for the things out of your control! If there is such a ridiculous excess on the policy though it just isn't worth having. Even if the next...

From a personal view - I think excesses are like a form of gambling. In your example, £11 premium extra for £150 excess saving sounds like a no brainer. You'd only make a loss on this if you went...

The booklet you have linked to says:



To know if the liability cover in sections A and B apply to you then the two questions that need to be answered are:


Are you the "Insured"?
Are you...

Yes, "Unoccupied Property to sell insurance" should be what you are looking for. Most unoccupied property insurers should be able to provide the appropriate insurance but you should mention it is to...

Yes there is! Can't speak for other brokers but our company deals with several insurers who don't have a problem with this. I would imagine any decent landlord insurance broker will not have a...

Another point to make is that your contents insurance only covers your items in the property and the tenant's contents insurance only covers theirs.

Any damage to carpets, curtains, furniture,...