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If you own a property, getting some insurance for it may already be on your “to do” list. But have you thought about what kind of insurance might be suitable? If you let the property out, it may make sense to consider specialist landlord’s building insurance, as a regular home policy may not meet your individual needs, nor will typically be valid.

What is so special about landlord building insurance?

If you become a landlord of a house that you have previously lived in, you might wish to tell your insurer about the change in occupation at your earliest convenience. Should your occupation change then telling the insurance provider is essential.

Insurers might typically perceive buy to lets to be riskier than owner-occupied houses. Accordingly they may have slightly different policies for each kind of occupation. A landlord buildings insurance arrangement might be more appropriate for you because of top of

Obtaining landlord’s building insurance need not be a hassle. Looking for the right cover is all about finding a policy that you can afford and which covers everything you need.

What will providers want to know?

Before giving you a quote you may have to answer many different questions. Accordingly, they may wish to know:

• where you live, your full name;
• the address of the buy to let property;
• the form of tenants you have (e.g. private, professional or retired);
• what state the property is in; and
• whether you have had to make any claims on a buy to let insurance policy there before.

Deciding which policy to buy

You may soon see that the quotes differ between the insurance providers. As a landlord, your landlord’s building cover is a cost to your business, and as such you may be particularly price sensitive.

Along with the cost of insurance there are other factors you need to

Looking for cheap landlord insurance is a matter of opinion. If you are a large corporate landlord with hundreds of properties on your books, then your idea of what a cheap policy is may be vastly different from someone who lets out one buy to let flat.

Likewise, your concept of a inexpensive policy may also depend on what you want from an insurer. For instance, do you want an all singing, all dancing policy or something that just covers the basics?

Insured risks

Cheap landlord insurance may typically cover similar dangers to any other kind of deal, which may include fire, malicious damage, earthquake, storm, and somewhat bizarrely damage caused by items falling from aircraft.

For instance you may have protection against loss of rent.

How much will it cost?

The price of cheap landlord insurance protection, just like the price of the buy-to-let property

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