Important Insurance Information For Residential Landlords

Helping You Make Informed Choices

We are all aware of the need to insure our investments and no doubt you have either bought your insurance or searched numerous online sites and quote engines in order to try to find the best deal.

However, a private landlord insurance policy is often different to a standard home and contents policy. Words such as Declared Value, Day one reinstatement, average clauses all appear. But what do they mean? What effect will it have if you need to claim? What does your Loss of Rent cover you for etc?

I have worked in the insurance market for the past 9 years, and after working with both the landlords of private properties and the insurance companies, I have decided to create this site to give private landlords more information, helping to show the most common pitfalls private landlords fall into.

Insurance is never going to get the heart racing, but spending a few minutes looking around this site may save you a lot of time and expense if something goes wrong. There is nothing worse than listening to an insurance company saying 'you aren't covered', or 'you have not complied with the warranty on page 43, line 4 of the policy wording' just after you have lost your investment.

In general, insurers are fair and if they are presented with a claim which is clearly insured they will pay. However, any discrepancies or get-outs and they will be the first to look for the door.

So, hopefully armed with some extra knowledge you'll be able to make the right decisions when selecting your private landlord insurance policy.