LANDLORDS INSURANCE

 

Our Landlord's Insurance gives your clients a range of features such as alternative accommodation for their tenants and new for old replacement as standard.

 

Whether your client wants to cover just the building or the building and contents we've got it covered.

  •         £400,000 Buildings cover as standard

  •         £40,000 Contents cover for furnished properties. £10,000 Contents cover for unfurnished.

  •         Up to £60,000 loss of rent and alternative accomodation expenses for tenants if the property is uninhabitable due to an insured event.

  •         Up to £2 million property owners liability cover

  •         Underwritten by a carefully selected group of the UK's leading insurers

 

 

COVER OPTIONS

As a landlord or soon-to-be landlord it's important your client is covered against the worst happening to their investment. With our Landlord's Insurance they can cover just the building or the building and its contents.

 

BUILDINGS

It's much more than just bricks and mortar, it's an investment in their future

Buildings Cover

        
£400,000 Buildings Cover

        
Permanent fixtures in the property such as the shower, bath and built-in wardrobes and kitchens are covered

        
Up to £60,000 loss of rent and alternative accommodation expenses for tenants if the property is uninhabitable due to an insured event

        
New for old replacement as standard

        
Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments

        
A choice of optional extras - meaning they only pay for the additional cover they actually need

 

CONTENTS

They're not just there to make the place look nice, it's your client's way of making tenants feel at home

Contents Cover

        
£40,000 Contents cover for furnished properties or £10,000 Contents cover for unfurnished

        
Up to £5,000 for contents kept in a communal area

        
New for old replacement as standard

        
Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments

        
A choice of optional extras - meaning they only pay for the additional cover they actually need

 

 

ELIGIBILITY

To be eligible to take out our Landlord's Insurance policy we ask that the property to be insured:

        
Is a residential property in the UK (excluding the Isle of Man and Channel Islands)

        
Is let under a tenancy agreement directly between your client and tenants

        
Is occupied by a single family, or no more than 6 individual tenants

        
Isn’t a bed-sit or divided into individual self-contained units each with their own cooking facilities

        
Isn’t being let to tenants seeking asylum in the United Kingdom

        
Isn't left unoccupied for a total of more than 90 days in a row

        
Isn’t showing signs of, or has ever had any damage caused to it by landslip, subsidence or heave

        
Hasn’t been flooded in the last 10 years

We also ask that:

        
Your client is at least 18 years old, a private individual and the property is occupied solely for residential purposes

        
Your client or any of their family living with them has not had home insurance cancelled, declined or declared void

        
Your client or any member of their family living with them declare any previous insurance claims from the last 5 years

        
Your client or any member of their family living with them hasn’t been convicted of any criminal offence other than motoring convictions or any offences which are spent under the Rehabilitation of Offenders Act 1974.

Get in touch​

Contact our office to book a consultation or request a free callback at a time that suits you.

buy to let

The mortgage market is very competitive and there are new deals available all the time. It is likely that your biggest monthly outgoing is your mortgage and by finding a better deal you could save hundreds and possibly thousands of pounds.

Warning

Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. 

A fee of £299 is payable on application. We will also be paid commission from the lender.

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Elm Tree Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA 511619).
Elm Tree Financial Services Ltd, registered in England No. 7050523. Registered Office: Elm Tree Financial Services,  Holes Lane, Woolston, Warrington, WA1 4LZ. Telephone 0925 815 555

Cheshire Insurance Broker, Insurance Broker, Independent Insurance Broker, First Time Buyer, Remortgage, Insurance Broker Warrington, Insurance Broker Lymm, 

Insurance Broker Hale, Insurance Broker Altrincham, Insurance Broker Chester, Insurance Broker Wilmslow, Insurance Broker Northwich, Insurance Broker Frodsham