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Frequently asked questions

We know that life as a landlord can often be complex, so we try our best to make all our communications as straightforward as possible. But if you’re still not sure, or have a question, take a look below for the answers to some of our most frequently asked questions.

If you can't find the answer you're looking for, please get in touch.

  • What does "buildings sum insured" mean? 

    "Buildings sum insured" is the cost of rebuilding your property (this is different to the market value), and is usually found on your valuation report or mortgage survey. Our Landlord Buildings Insurance automatically covers you for up to £500,000 – but you can specify a rebuild value if you need to be covered for more.

    It’s important to insure your property for the correct amount – the Association of British Insurers calculator can help you understand the rebuild value of your property.

  • Can I cancel my policy?

    Yes, if you decide the policy isn’t right for you, you have a 14 day cooling off period from the date you receive your policy documents or the start date of your policy, whichever is later.

    Find out more about how to cancel your policy here.

  • Do HomeLet policies cover Houses of Multiple Occupancy (HMO)?
  • When can my cover start?

    As soon as you like, as long as you meet our terms and conditions, you can also arrange cover up to 45 days ahead of the policy start date.

  • What is IPT?
    IPT stands for Insurance Premium Tax, which is a variable rate of tax set by HMRC.