Buy to let Insurance

We are a broker based in Essex which specialises in buy to let insurance, also commonly referred to as landlords insurance. We can provide cover for a huge range of properties and different levels of cover depending on your circumstances. We allow you to full customise a policy to your requirements based on premium, excess and cover. For example we can provide buildings only, contents only, a combination of buildings and contents, legal cover, loss of rent and property owners liability.

There are a whole range of factors which can have an effect on the premium you pay for your buy to let insurance. The following aims to outline some of the factors:

Buildings sum insured - Your buy to let building should be insured for the rebuild value and not the sale price. Generally(but not always) the rebuild value is lower than the sale price. The only accurate way to obtain the rebuild value is to have a professional survey undertaken.
Contents sum insured - Usually the policies provided by ourselves consider items such as carpets and curtains to be contents. The contents sum insured should represent only the value of contents in property for use by the tenants, it will not provide cover for the tenants contents.
Property Location - If you property suffers from subsidence, ground heave, landslip or is in a flood area then you may find that your premium is increased or restrictions applied.
Additional cover - If you require additional cover options such as legal expenses or rent guarantee.

If you have any queries on a buy to let insurance quote you obtained through us then feel free to call us and we can discuss the policy and advise you on any points you're unsure about.