Residential Landlord Insurance
Up to £10m buildings cover and £500,000 contents cover limits available
Residential Landlord Insurance
If you're letting a property to residential tenants, Home Insurance may not be enough to protect against accidental damage to your property or possessions, or cover you for loss of rent and legal expenses.
Churchill Expert can arrange Landlord Insurance that covers your buildings and contents as standard and the cost of rehousing your tenants if the property is damaged.
If you're renting out a property to a third-party business, you need Commercial Landlord Insurance
if you have a mixed portfolio of residential and commercial properties you can insure them under a multi-property policy.
Reasons to rely on Churchill Expert for Residential Landlord Insurance
- Up to £10 million buildings cover including Boiler Cover
- Up to £500,000 contents cover
- New-for-old Contents Insurance
- Access to a free 24/7 legal helpline
- The cost of re-housing your tenants following an insured event such as a flood or fire
- Public Liability and Property Owners' Liability cover up to £2 million with the option to increase to £5 million or £10 million
- Insure up to 10 properties on a multi-property policy
- Floor coverings up to £5,000 with the option to increase it
- Costs incurred for damage caused by the illegal cultivation of drugs (when you have buildings insurance cover)
- Malicious damage and/or theft by tenant cover (damage that can't be recovered from a security deposit, up to £10,000,
- Unlimited glass cover
Types of insurance
Buildings and Contents cover can be sold together but Contents can only be sold separately where the buildings occupancy is residential only.
Buildings Insurance
If your property is unfurnished without contents you can take out an insurance policy that covers your buildings only. Churchill Expert can arrange up to £10m buildings cover included as standard.
Contents Insurance
If your property is furnished or part-furnished you can take out an insurance policy for your contents only. Churchill Expert can arrange up to £500k cover for damage to furniture, fixtures and fittings that don’t form a permanent part of your property’s structure.
Optional extras
Can be added to your policy for an additional premium
Public Liability & Property Owners Liability
Increase Public Liability and Property Owners Liability cover up to £10m (subject to criteria)
Accidental Damage
Accidental damage for buildings and/or contents when you’ve insured them.
Loss of Rent
Cover for loss of rent if your property becomes uninhabitable following an insured event such as fire or flood.
Legal Expenses
Legal expenses cover up to £250,000 (including repossession cover)
Subsidence
This will cover against damage to the building as a result of foundations moving. Including subsidence, landslip or ground heave.
Rent Arrears Cover
Covers you if your tenants can't pay their rent. Available as part of our Legal Expenses Cover on Residential Landlord policies.
Download Landlord Insurance policy documents
All of the policies we arrange are NIG branded, and are underwritten by U K Insurance Limited. Churchill Expert is a trading name of U K Insurance Business Solutions who arrange and administer NIG policies. If we're unable to provide cover, we can refer you to an insurance broker who can help find a solution for you.