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Even with the best tenants, things can sometimes go wrong. Landlord insurance is important for anyone letting out a property - whether you are an investor landlord or an 'accidental' landlord - as it can protect you if accidents do happen. For example, if your property becomes empty as a result of fire or flood you would lose rental income. Or if your tenant caused accidental damage to the property or its fittings, you would be responsible for the cost of fixing or replacing the items.
Typical home insurance may not provide the right cover for you if you let your property out. Although specific landlord insurance is not a legal requirement, it is beneficial should the unthinkable happen. Because Marsh Commercial understands the challenges you face, the Finders Keepers' Landlord Insurance Scheme offers protection for:
accidental damage - including subsidence
contents - on a 'new for old' basis, including accidental and malicious damage
loss of rental income - up to a limit of 25% of the building sum insured or up to £50,000 for leasehold flats*
landlords' liability - up to £5 million per claim
unoccupied properties - covered for up to 60 days**
legal expenses - covers residential repossession*** property protection and tenants/landlord disputes up to a limit of £50,000
optional tenants default cover - up to a limit of £25,000 with all claims**** subject to a one-month excess.
Why choose Marsh Commercial?
At Marsh Commercial, we're part of a global group with a 150-year heritage and a strong community focus. Our team of experts have years of experience supporting landlords like you.
We take time to understand your unique needs so we can arrange the insurance that's right for you, negotiating with insurers to get the best possible product and price. Because the policy is underwritten by Aviva, the UK's leading insurer, you'll be safe in the knowledge that your claim - should you need to make one - will be in good hands.
Bespoke cover - our insurance for landlords is designed around you. You'll only pay for the cover you need.
Professional advice and support - throughout the life of your policy, we'll be on hand to help you with any queries, problems or issues you may have. We'll also support you if you need to make a claim.
Want to know more?
For more information about Finders Keepers' Landlord Insurance Scheme, and to obtain a no-obligation quote, please:
- Call us on 01905 924 448; or
- Email us at finders.keepers@marshcommercial.co.uk
* A maximum indemnity period of 36 months applies.
** Tell us if a property is or will be unoccupied to enable Aviva Insurance to provide the level of cover that's right for you.
*** In respect of Residential Repossession only, claims made within the first 30 days of policy cover are excluded.
**** There is a zero policy excess with the exception of a £150 excess in the event of escape of water, a £250 excess applies for student occupied properties, and a £1,000 excess applies in the event of a subsidence claim.
This is a marketing communication
Finders Keepers is an Introducer Appointed Representative of Jelf Insurance Brokers Ltd.
Marsh Commercial is a trading name of Jelf Insurance Brokers Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). Not all products and services offered are regulated by the FCA (for details see marshcommercial.co.uk/info/regulation). Registered in England and Wales number 0837227. Registered Office: 1 Tower Place West, London EC3R 5BU.
Finders Keepers is a trading name of Countrywide Residential Lettings Ltd, Registered Office Greenwood House, 1st Floor, 91-99 New London Road, Chelmsford, Essex, CM2 0PP. Registered in England Number 02995024 which is an agent and subsidiary of Countrywide Estate Agents, Registered Office, Greenwood House, 1st Floor, 91-99 New London Road, Chelmsford, Essex, CM2 0PP. Registered in England Number 00789476.
