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Protection:

Landlords Cover

Landlord insurance protects rental properties from risks such as damage, theft, or loss of rental income. This is essential if you rent out residential or commercial properties, as standard home insurance won’t provide the right level of cover.

Application Process:

  1. Evaluate Your Rental Property: Determine what you need to cover—buildings, contents (if furnished), and potential rental income losses.

  2. Choose Your Policy: Look for policies that offer comprehensive landlord cover, including property damage, legal expenses, and rent protection.

  3. Submit Your Application: Provide details about the property, including its type, location, and tenancy terms (e.g., type of tenant and lease duration).

  4. Risk Assessment by Insurer: The insurer will assess the risk level based on property details and tenant profiles.

  5. Receive Your Policy: Once approved, you’ll receive your policy documents with the coverage terms.

Factors Insurers Consider:

  • Property Condition & Location: The age and condition of your rental property, as well as its location, will affect the premium.

  • Tenant Type: Some insurers charge higher premiums for tenants like students or short-term lets, who may be considered higher risk.

  • Cover Options: Whether you want additional coverage for loss of rent, legal expenses, or accidental damage will impact your costs.

  • Security Measures: Properties with strong security features may benefit from lower premiums.
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Top Tips

  • Include Loss of Rent Cover: Protect yourself in case the property becomes uninhabitable or tenants default on payments.

  • Review Tenant Profiles: Ensure your insurance covers the type of tenants you are letting to, as some policies may exclude certain groups.

  • Conduct Regular Maintenance: Keeping your property in good condition can help reduce risks and claims.

Mortgage repayment calculator

Work out your repayment

£

10%

1%

5.25%

£1421

Monthly Payment

Principal & Interest £1421

Monthly Taxes £1421

These results are for a repayment mortgage and are only intended as a guide. Make sure you obtain accurate figures from your lender before committing to any mortgage. Your home may be repossessed if you do not keep up repayments on a mortgage.

Looking for a Residential Mortgage?​

If you’re getting on the property ladder, a Liverpool Mortgages can help you navigate the house buying process.
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