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Residential Let
Insurance
Landlords Buildings & Contents, Owners Liability:
If you have a client with 10 or more properties, simply email the full risk details to info@capitalindemnity.co.uk and we will quote on the details given.
Key features of the product include:
- Loss of Rent can be included, often with no extra charge
- Property Owners Liability included – different levels of indemnity can be selected
- Legal Expenses available
- Landlords Contents cover available
- Properties with 100% flat roof can be covered
- All adjustments/cancellations are Pro-Rata (subject to £20 Underwriting fee)
Acceptable Lets:
- Professional
- Student
- Retired
- Housing Association & Local Authority/Council
- DSS / DSS Referrals
- Unoccupied / Unoccupied pending Sale & non-structural Renovation
- Asylum Seekers
- UK Holiday Homes
- Part Owner Occupied, Part Let properties
- Single Flats/Maisonettes which form part of a larger building
- Purpose Built Flats
- Private Dwellings converted into flats
- Bedsits
Acceptable Trades include:
- Offices
- Shops – including those selling alcohol and tobacco
- Cafés, Restaurant’s and Take-Away’s including those using deep fat fryers
- Bakers
- Guest Houses
- Public Houses & Wine Bars
- Sports Clubs
- Social Clubs
- Commercial Premises with a residential dwelling above provided both are let
What does landlord insurance cover?
Your insurance will differ based on the level of cover you choose and what type of let you're looking for. We can arrange cover for most standard perils, such as fire, flood, etc, but also a number of less common perils, such as:
- Building Insurance, this refers to any cover required for repairing or rebuilding the property's structure in the event of damage
- Public liability cover - to insure yourself in case anyone has an accident on your property, whether they are paying guests or visitors. We can arrange cover up to £5,000,000.
- Loss of rent and alternative accommodation if the property is uninhabitable - if you are unable to rent out your rental property because of an insured event.
- Theft and malicious damage by tenants.
- Accidental damage by tenants - cover for accidental damage at your rental property, whether caused by you or a tenant.
- Accidents to domestic staff - to insure yourself in case a domestic employee has an accident on your property. We can arrange cover up to £10,000,000.
To obtain an insurance quote, please complete the Proposal Form below and email it to quote@capitalindemnity.co.uk
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Capital Indemnity Ltd are Authorised and Regulated by the Financial Conduct Authority. Our FCA Number is 936947. Our Registered Office are at Duke House, 15 Seymour Street, London, SE18 6SX. Our Companies House Number is 12904305. Our ICO Registration Number is ZA876843.
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