Rebuilding of your property
If you need to make a claim, Landlord Buildings Insurance from HomeLet will cover the cost of the repairs and the rebuilding of your property if the damage was due to factors like fire, collisions, floods, theft or malicious acts by non-tenants.
Gain peace of mind with full cover for 90 days when your property is unoccupied between tenancies. Cover for malicious acts, theft, escape of water or oil, and accidental damage is excluded after the property has been left unoccupied for more than 90 consecutive days. If you are thinking of getting a Buildings Insurance quote but your property is unoccupied, we may be able to offer a policy if your main intention is to let it out to a tenant.
Loss of rent and alternative accommodation
Following an insured event, we cover loss of rent and your re-letting costs or costs of alternative accommodation for up to two years’ rent (not exceeding £50,000).
Emergency Assistance Insurance included free of charge
Emergency Assistance Insurance includes emergency cover for the sudden and unexpected failures of certain items at the property that would make the property unsafe, unsecure, discomforting, risky or difficult for the tenant. Boiler cover is also included for an additional charge.
Trace and access
In the event of an escape of water, we provide buildings insurance cover for the cost of locating the point of escape, repairing and making good, for up to £5,000.
Metered water and gas charges
We cover up to £1,000 of damages following loss caused by damage to water and gas apparatus, after the point of the service feed.
We cover damage to your property following emergency access as a result of a medical emergency for up to £1,000.
As a landlord, it’s your responsibility to comply with current legislation and make sure that your tenants are living in a safe environment. However, accidents can happen and having liability cover as part of your buildings insurance can help to cover the costs and expenses of litigation, compensation and solicitors’ fees.
Our liability cover includes:
- Legal Liability as Owner up to £5,000,000
- Occupiers Legal Liability & worldwide Personal Liability up to £5,000,000
- Legal Liability as Employer:
- Public Liability up to £5,000,000
- Employers Liability up to £10,000,000