Landlord Insurance
Landlord insurance is a type of insurance that protects landlords from financial losses associated with renting out a property. It typically covers the following:
– Buildings insurance: This covers the cost of repairing or rebuilding the property if it is damaged by fire, flood, storm, or other natural disaster.
– Contents insurance: This covers the cost of replacing the landlord’s belongings in the property if they are damaged or stolen.
– Landlord liability insurance: This covers the landlord if they are sued by a tenant or third party for damages caused by the property.
– Loss of rent insurance: This covers the landlord if they lose rent due to a tenant vacating the property early or causing damage that prevents the property from being rented.
– Tenant default insurance: This covers the landlord for the cost of repossessing the property and evicting a tenant who has not paid rent.
– Liability Insurance: to cover you if you’re taken to court – this type of insurance can include property owners’ public liability or employers’ liability.
– Unoccupied property insurance: to cover you in-between tenants. Ordinary home insurance will not normally cover a rental property as you are not living there. Regular home insurance is not designed for the specific situations that you might face as a landlord or claims made against you by your tenants.
It depends on a few factors. Let’s take a look at the options and see why you might need them.
– Landlord Buildings Insurance: This covers you for loss or damage caused to the building itself and could re-imburse you if your property is damaged due to fire or flood etc. Some buildings insurance covers malicious damage caused by tenants.
– Landlord Contents Insurance: Your tenants are responsible for insuring their own personal belongings but if you’re renting out a furnished property you might want contents insurance to cover the things you own. You could also add accidental damage cover to your landlord insurance, which would cover spills, breakages or damages caused by your tenants. If you’re renting out multiple flats you could get contents cover for communal areas such as halls, receptions, stairs and landings. Many policies include this cover as standard and you can tailor its limit to your needs.
– Property Owners / Public Liability Insurance: Public liability insurance will cover you for your legal defence costs and expenses, as well as any damages that may be awarded if one of your tenants has an accident at your rental property and considers it to be your fault.
– Employers Liability Insurance: This is a legal requirement if you employ anyone at your rental property who is directly under your supervision and control. This might be a cleaner or gardener or even a volunteer. You will be responsible by law for arranging employers’ liability insurance to cover you for legal defence costs and any awards made for accidental bodily injury, illness or disease caused to staff due to your negligence.
– Unoccupied Property Cover: Usually “unoccupied” means there’s no one living at the property for over 30 days and so this type of cover might be useful if you need to make renovations to the house or flat before you rent it, or if you are in-between tenants. Because the extent and cover of Landlord Insurance premiums vary, make sure you compare what is actually covered within your policy to ensure that you are getting the best and most appropriate deal for you. If you rent out multiple properties you can either take out individual policies on each property or have a multi property policy.
Landlord insurance is not a legal requirement in the UK, but it is highly recommended. Without landlord insurance, landlords could be left financially devastated if something goes wrong with their rental property.
Here are some of the reasons why you would need landlord insurance in the UK:
– To protect your investment: Your rental property is a valuable asset, and landlord insurance can help protect it from damage or loss.
– To cover your legal liability: If a tenant is injured in your property, you could be sued. Landlord insurance can help cover the cost of legal fees and damages.
– To protect your income: If a tenant leaves your property early or causes damage that makes it uninhabitable, you could lose rent. Landlord insurance can help cover these losses.
– To give you peace of mind: Landlord insurance can give you peace of mind knowing that you are protected financially if something goes wrong with your rental property.
If you’d like to speak to a protection adviser to find out more about General Home Insurances, please feel free to connect with us and we will carry out quotes for you.
Read some of our blogs specifically for Landlords
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Did you know that your regular contents insurance might not cover your treasured jewellery? If its value exceeds the cap set by your insurance provider, you`ll need to include high-value cover to keep your jewellery protected.
Don`t put your valuable jewellery at risk - contact Kelly today to review your policy and ensure you have the right coverage in place. Get in touch on 0800 612 5596 for a chat.
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#jewelryofinstagram #jewelryobsessed #jewelleryaddict #jewellerylovers #jewellerylove #antiquejewelryaddiction #jewellerylover #finejewellery #vintagejewelry #antiquejewelryaddiction#jewelryaddict #dorsetlife #insurancebrokers #insuranceconsultant #insuranceadvisor #dorsetbusiness #dorset #insurancetips #insurancepolicies
Did you know that your regular contents insurance might not cover your treasured jewellery? If its value exceeds the cap set by your insurance provider, you`ll need to include high-value cover to keep your jewellery protected.
Don`t put your valuable jewellery at risk - contact Kelly today to review your policy and ensure you have the right coverage in place. Get in touch on 0800 612 5596 for a chat.
...
#jewelryofinstagram #jewelryobsessed #jewelleryaddict #jewellerylovers #jewellerylove #antiquejewelryaddiction #jewellerylover #finejewellery #vintagejewelry #antiquejewelryaddiction#jewelryaddict #dorsetlife #insurancebrokers #insuranceconsultant #insuranceadvisor #dorsetbusiness #dorset #insurancetips #insurancepolicies
In addition to the higher interest rates and larger deposits, non-standard construction mortgages may have other specific requirements. For example, lenders may require a specialist survey of the property or ask for additional documentation.
If you`re thinking about buying a non-standard construction property, it is important to speak to a mortgage broker as early as possible.
Our team of experts is on hand to help you understand the process and ensure you get the right deal - without charging you a broker fee! Call us on 0800 612 5596 or send us a message to arrange a chat.
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
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#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
In addition to the higher interest rates and larger deposits, non-standard construction mortgages may have other specific requirements. For example, lenders may require a specialist survey of the property or ask for additional documentation.
If you`re thinking about buying a non-standard construction property, it is important to speak to a mortgage broker as early as possible.
Our team of experts is on hand to help you understand the process and ensure you get the right deal - without charging you a broker fee! Call us on 0800 612 5596 or send us a message to arrange a chat.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
As a family-run business, we always go the extra mile for our clients:
🌟 Offering a single point of contact who will cut through the jargon and answer all of your questions, big or small.
🌟 Giving you the ability to track your application progress and upload and submit your documents securely
🌟 Scheduling consultations at a time and place that suits you, even on evenings and weekends
🌟 Mix of military veterans and civilians – shared ethos, shared core values – trusted honest, open, clear advice.
We`ll look at your personal circumstances and offer tailored mortgage advice to suit your needs. And the best bit is we don`t charge a broker fee! Send us a message or give us a call on 0800 612 5596.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
As a family-run business, we always go the extra mile for our clients:
🌟 Offering a single point of contact who will cut through the jargon and answer all of your questions, big or small.
🌟 Giving you the ability to track your application progress and upload and submit your documents securely
🌟 Scheduling consultations at a time and place that suits you, even on evenings and weekends
🌟 Mix of military veterans and civilians – shared ethos, shared core values – trusted honest, open, clear advice.
We`ll look at your personal circumstances and offer tailored mortgage advice to suit your needs. And the best bit is we don`t charge a broker fee! Send us a message or give us a call on 0800 612 5596.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
A guarantor mortgage could be the answer 👇
These mortgages allow a parent or family member to guarantee your loan, making it easier for you to secure a mortgage.
But be aware that if you miss a mortgage payment, they will be responsible for paying, so it`s important to weigh up the pros and cons before making a decision.
We can look at your personal circumstances and offer advice on the best way for you to get onto the property ladder. And the best bit is we don`t charge a broker fee. Send us a message or give us a call on 0800 612 5596.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
A guarantor mortgage could be the answer 👇
These mortgages allow a parent or family member to guarantee your loan, making it easier for you to secure a mortgage.
But be aware that if you miss a mortgage payment, they will be responsible for paying, so it`s important to weigh up the pros and cons before making a decision.
We can look at your personal circumstances and offer advice on the best way for you to get onto the property ladder. And the best bit is we don`t charge a broker fee. Send us a message or give us a call on 0800 612 5596.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
We`re delighted to welcome Ashley to our team 🎉
Ashley started his career in mortgages in 2007 and has since covered general insurance and protection as well.
Having lived in Bournemouth all of his life, he`s a big fan of the sun and sea 🌊
When he isn’t helping first-time buyers (or other clients) find the right mortgage, he`s spending time with friends and family or taking his “Chief” out for a nice walk 🐶
Welcome to the team Ashley!
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#mortgagebrokeruk #mortagebrokers #ukmortgages #mortgagespecialists #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #mortgageadviser
We`re delighted to welcome Ashley to our team 🎉
Ashley started his career in mortgages in 2007 and has since covered general insurance and protection as well.
Having lived in Bournemouth all of his life, he`s a big fan of the sun and sea 🌊
When he isn’t helping first-time buyers (or other clients) find the right mortgage, he`s spending time with friends and family or taking his “Chief” out for a nice walk 🐶
Welcome to the team Ashley!
...
#mortgagebrokeruk #mortagebrokers #ukmortgages #mortgagespecialists #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #mortgageadviser
Getting a mortgage on a non-standard property may involve higher interest rates or larger deposit requirements, but with careful planning and expert help, your homeownership dreams can become reality!
Our team of experts are on hand to connect you with accommodating lenders and help negotiate favourable terms. Click the link in our bio to learn more.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
Getting a mortgage on a non-standard property may involve higher interest rates or larger deposit requirements, but with careful planning and expert help, your homeownership dreams can become reality!
Our team of experts are on hand to connect you with accommodating lenders and help negotiate favourable terms. Click the link in our bio to learn more.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
🕗🏡 We offer appointments at a time and place that suits you
So whether you need mortgage advice in the evenings once the kids have gone to bed or at the weekend when you`re not busy with work - we are available for you.
And the best bit? We don`t charge a broker fee so our advice to you is free!
Send us a DM or call us on 0800 612 5596 to book your appointment.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
🕗🏡 We offer appointments at a time and place that suits you
So whether you need mortgage advice in the evenings once the kids have gone to bed or at the weekend when you`re not busy with work - we are available for you.
And the best bit? We don`t charge a broker fee so our advice to you is free!
Send us a DM or call us on 0800 612 5596 to book your appointment.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
If you’re not registered to vote, or you’re still registered at an old address, it can affect your chances of getting a mortgage. Banks and lenders use the electoral roll for basic identity checks, so it`s always a good idea to make sure your details are up to date.
Are you ready to take on the exciting journey towards homeownership? Follow us for more tips on securing the right mortgage for you.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgageadvice #mortgagehomes #propertymarket #hampshirelife #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness
If you’re not registered to vote, or you’re still registered at an old address, it can affect your chances of getting a mortgage. Banks and lenders use the electoral roll for basic identity checks, so it`s always a good idea to make sure your details are up to date.
Are you ready to take on the exciting journey towards homeownership? Follow us for more tips on securing the right mortgage for you.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgageadvice #mortgagehomes #propertymarket #hampshirelife #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness
When your current mortgage deal comes to an end, you’ll be transitioned to your mortgage lender’s standard variable rate which often had higher interest rates and costs you more money.
But if you secure a new mortgage deal before your current one expires you can transition smoothly into your new mortgage, avoiding your lender’s high-cost standard variable rate and ultimately saving you money!
If the thought of remortgaging is sending your head in a spin, get in touch. Our team of experts can guide you to find the most suitable remortgage options for your unique situation - without charging you a broker fee!
Call us on 0800 612 5596 or send us a message.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homeownerlife #moneymanagementtips #refinanceyourmortgage #refinancemortgage #homeowner #remortgages #mortgageuk #homeownertips #financialeducation #lovewhereyoulive #homeimprovements #remortgageuk #propertyeducation #housetips #homesweethome #mortgageadvice #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
When your current mortgage deal comes to an end, you’ll be transitioned to your mortgage lender’s standard variable rate which often had higher interest rates and costs you more money.
But if you secure a new mortgage deal before your current one expires you can transition smoothly into your new mortgage, avoiding your lender’s high-cost standard variable rate and ultimately saving you money!
If the thought of remortgaging is sending your head in a spin, get in touch. Our team of experts can guide you to find the most suitable remortgage options for your unique situation - without charging you a broker fee!
Call us on 0800 612 5596 or send us a message.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homeownerlife #moneymanagementtips #refinanceyourmortgage #refinancemortgage #homeowner #remortgages #mortgageuk #homeownertips #financialeducation #lovewhereyoulive #homeimprovements #remortgageuk #propertyeducation #housetips #homesweethome #mortgageadvice #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
🏡 Ready to build your dream home? You`ll need a self-build mortgage that works for you!
We can help you find the right self-build mortgage to make your dream home a reality. Send us a message, or give us a call on 0800 612 5596
...
Yes Mortgage Services Limited do not charge a broker fee. Your property may be repossessed if you do not keep up repayments on your mortgage.
...
#mortgageadvice #mortgagehomes #propertymarket #hampshirelife #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome #housebuild #selfbuildhomes #selfbuildcollective #homedesign #selfbuild #homebuilding #ourhome #selfbuildjourney #renovation #homesweethome #buildingahouse #selfbuilduk #mortgageadvisor #newhome #newbuild #ukmortgages
🏡 Ready to build your dream home? You`ll need a self-build mortgage that works for you!
We can help you find the right self-build mortgage to make your dream home a reality. Send us a message, or give us a call on 0800 612 5596
...
Yes Mortgage Services Limited do not charge a broker fee. Your property may be repossessed if you do not keep up repayments on your mortgage.
...
#mortgageadvice #mortgagehomes #propertymarket #hampshirelife #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome #housebuild #selfbuildhomes #selfbuildcollective #homedesign #selfbuild #homebuilding #ourhome #selfbuildjourney #renovation #homesweethome #buildingahouse #selfbuilduk #mortgageadvisor #newhome #newbuild #ukmortgages
"After a fantastic recommendation from a friend Andrew came to see us regarding a Mortgage dilemma, which he solved immediately. Great company and will recommend to anyone needing a mortgage. He made it uncomplicated and gave us the best advice. Thanks Andrew."
Looking for mortgage advice? Rest assured, we`ll be by your side every step of the way. We`ll cut through the jargon, answer any questions you have, and ensure you get the best possible outcome. Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
"After a fantastic recommendation from a friend Andrew came to see us regarding a Mortgage dilemma, which he solved immediately. Great company and will recommend to anyone needing a mortgage. He made it uncomplicated and gave us the best advice. Thanks Andrew."
Looking for mortgage advice? Rest assured, we`ll be by your side every step of the way. We`ll cut through the jargon, answer any questions you have, and ensure you get the best possible outcome. Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
What`s the best mortgage? How much can I borrow? What deposit do I need? 🤯 It can all be a bit much when buying your first house.
Our mortgage advisors are here to guide you every step of the way, cutting through the jargon and answering any questions you may have (even the ones you think might be silly).
Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #firsttimebuyerspecialist #firsthometogether #firsttimehomebuyertips #firstimebuyer #firsttimebuyersuk #homebuyingprocess #homeownership #firsttimehomebuyer #followyourdreams #propertyeducation
What`s the best mortgage? How much can I borrow? What deposit do I need? 🤯 It can all be a bit much when buying your first house.
Our mortgage advisors are here to guide you every step of the way, cutting through the jargon and answering any questions you may have (even the ones you think might be silly).
Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #firsttimebuyerspecialist #firsthometogether #firsttimehomebuyertips #firstimebuyer #firsttimebuyersuk #homebuyingprocess #homeownership #firsttimehomebuyer #followyourdreams #propertyeducation
