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If you are fed up with looking around for landlords insurance then search no more! We are a specialist broker with our focus on insuring let properties. We have an online quote facility which is able to provide quotations from several different insurance companies which saves you the work of looking around yourself. As a broker we can also advise you which policy would best suit your requirements based on the terms, excess and of course the annual premium.
When arranging landlords buildings insurance you should be aware that you need to insure the property for its rebuild value and not the sale price. The best way to obtain the rebuild value for your landlords home is to have a full survey undertaken by a professional. You may find that if you have a mortgage on the property then the lender may have had a survey done for the property since they have a financial interest in the property themselves.
If you currently have a let property insured under a standard house insurance policy then it is crucial that you check if the current insurer will actually provide any cover for the property once it becomes let since generally they will not. We understand that sometimes you need to arrange your Landlords insurance as quickly as possible which is why we have systems in place to allow instant cover and document creation.
It is important to note that the occupancy of the property can have an effect on the perils covered by your policy, for example a property which is occupied by a tenant will generally provide a wider scope of cover than that of an unoccupied or vacant property. The reason for this is quite simple, a property which currently has no one living in could develop a problem which may not be discovered for quite some time.