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BUY TO LET insurance

If you’re a landlord you’re unlikely to be able to rely on standard home insurance but should instead consider buy-to-let insurance.

RBIG Buy-to-Let Insurance Solutions

Specialist buy-to-let insurance is designed to protect the specific risks faced by private landlords.

Also known as landlord insurance it may for example include property owners liability cover. This provides landlords with insurance against legal claims by tenants for injury or damage to their personal property for which you could be liable.

You can also secure loss of rent insurance. This provides cover if you’re unable to rent your property due to flood, fire or other damage. Subject to policy limits it will cover the cost of alternative accommodation for your tenants.

Protect your rent

This should not be confused with rental guarantee insurance. Also called tenants default insurance, this is usually an optional extra which protects your income should your tenant fail to pay their rent for two consecutive months or more.

If you are renting a furnished property then we would strongly recommend that you take out landlords contents. This will give you the reassurance that things like furniture, washing machines, televisions and carpets are insured.

Most buy-to-let insurance policies will include building insurance as standard. If your property is mortgaged it is likely that having landlord buildings insurance will be a condition of loan.

Our buy-to-let insurance service

As a leading and long-established business insurance broker, we can offer you the benefit of our decades’ experiences serving private landlords.

Our expertise in buy-to-let insurance is complemented by the bespoke service we offer to private tenanted property owners.

This highly professional and impartial facility is available to all landlords, whether you rent a single property have a portfolio of homes you rent. It also embraces owners of houses in multiple occupation (HMO) properties who may require particular guidance and cover.

In addition, we can provide expert assistance in calculating the cost of rebuilding your property and its contents if requires, to ensure you are fully covered by your buy-to-let insurance policy.

Our advisors will also be pleased to offer skilled guidance on a wide range of standard and optional landlord insurance options, including:

  • Landlord buildings insurance
  • Landlord contents insurance
  • Property owners liability insurance
  • Landlords rent guarantee insurance
  • Loss of rent insurance
  • Landlord accidental damage cover
  • Landlord malicious damage insurance
  • Landlord legal expenses cover – to assist with and meet legal costs associated with tenant disputes
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