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Landlord's Buildings Cover

What's covered?

Buildings cover provides protection for your property if it's damaged and has to be repaired or rebuilt. For example, damage to your property caused by fire, flood, storms or vandalism.

When should I claim?

You're probably covered for more than you think, but here are just a few examples. If your property is damaged by weather events, such as storm or lightning, malicious damage, fire, theft or falling trees, then buildings cover will help repair the damage.

What is inflation protection?

Inflation protection is a feature added to an insurance policy that provides for an increase in the value of benefits due to the rise of inflation over time. The good news is that a Lloyds Bank landlord policy provides an automatic increase in your sum insured value. This increase means that if the cost to rebuild or repair your property increases due to inflation by up to 30%, you’ll be covered.

How do I work out my re-build cost?

It's essential that you get the right level of buildings cover, so make sure you work out the correct re-build cost of your property. This is the cost of how much it would be to rebuild your property. It’s not the same as the market value of the property, which is based on the land value and desirability of the location.

To help estimate the re-build cost of your property, use a re-building cost calculator like the one supplied by the Building Cost Information Service, commissioned by the Association of British Insurers.

Keep in Mind

  • Online policy is underwritten by RSA Insurance Group PLC.
  • Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

Other insurance covers available for landlords

Type of cover What is covered
Accidental Damage Accidental damage to the building and its fixtures and fittings. For example, if you or your tenants accidentally smash a window or drop something and crack a sink.
Landlord’s Contents Household items that you have provided for your tenants, such as soft furnishings or appliances, if they are damaged or destroyed by an insured event.
Loss of Rent Your cash flow is protected if, after an insured event such as flood or fire, your tenants stop paying rent or have to move out. If your tenants do have to move out, the costs of arranging alternative accommodation on their behalf is also covered.
Subsidence, Landslip and Heave Damage to your property as a result of a movement in the ground supporting your property.
Property Owner’s Liability You are protected if a person is injured or if there is damage to their property as a result of your negligence.
Employers' Liability cover You are protected if an employee is injured or dies as a result of your negligence.
Legal Expenses Your legal expenses in proceedings such as contract disputes, debt recovery and evicting squatters.
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Get a quote online

Get a Landlords Insurance quote from one of the UK’s leading insurers, if you rent between 1 and 5 properties.

Get a quote online*

*Online policy is underwritten by RSA Insurance Group.

Please check you have all the cover you need by reading the policy documentation carefully (this will be provided during the quoting process).

More than 5 properties or need advice?

If you are unsure of the cover you need, or have more than 5 properties or complex requirements, call on:

0345 377 0006Call telephone number 0345 377 0006

(Lines available from 9am to 5pm Monday to Friday)

Commercial Landlord Insurance is brought to you by Arthur J. Gallagher Insurance Brokers Limited, one of the UK’s biggest insurance brokers. Their specialist advice will help you decide on the cover you need, and they’ll search among their panel of leading insurers to find you that cover at the right price. Cover details may vary based on insurer.

Information you'll need to provide

Whether you ask for a landlord insurance quote online (1-5 properties), need advice or have complex requirements (6+ properties), you'll need the following details to hand:

  • Details of the property/properties to be insured
  • Any claims you've previously made on the same property/properties
  • Any security protection at the property/properties
  • If you're a business, how many employees you have and what kind of work they do.

Keep in mind

Standard home insurance won't cover the extra risks you face as a landlord. For example, if a tenant is injured by a falling roof tile at your property or if a flood means your tenants have to move out for a while at your expense.

The small print

Please check you have all the cover you need by reading the policy documentation carefully (this will be provided during the quoting process).

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