Residential Landlord Insurance

If you are a residential property owner, it makes sense to ensure the longevity of your business by securing your property against any risks, external threats, and other eventualities.

Residential landlord insurance through IC Insurance Solutions covers all your key exposures and offers optimal protection against any uncertainties and disruptions.

At IC Insurance Solutions, we are aware that no two domestic properties are the same. We also understand the specific challenges, circumstances, and difficulties you face as a domestic property owner.

That is why we work with a vast network of partner insurers to bring you comprehensive coverage options that are tailor-made for your property. Whether you own a single buy-to-let property or you have a diverse portfolio of properties, we are here to help.

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What is Residential Landlord Insurance?

Residential landlord insurance, also known as domestic property insurance or buy-to-let insurance, is a form of property insurance that includes a combination of covers that protect the landlord’s interests in the property. The covers offered range from accidental damage to property and theft, to loss of rental income.

If you have a comprehensive domestic property insurance policy in place, you will receive financial reimbursement in the event of an insured risk happening. A well-rounded landlord insurance package (like the one provided by IC Insurance Solutions) will fully cover your rental property with specific protection.

From contents insurance which will reimburse you for damaged household items such as furniture and appliances to property owner’s liability, which will ensure you against any injury claims associated with your property, we cover it all.

What Does Residential Landlord Insurance Cover?

Landlord Insurance through IC Insurance Solutions offers coverage in:

Buildings

Our property owner’s insurance package will cover the cost of rebuilding your property if it gets damaged or destroyed.

It is worth noting that buildings insurance is compulsory if you want to buy residential property with a mortgage.

Property Owners Liability

Property owners’ liability provides cover in case anyone is injured following an accident on or linked to your rented premises. The property owner’s liability enables you to meet any costs and compensation awarded to the injured party.

Landlord Legal Protection

Landlord legal protection covers all the legal costs (up to £50,000) associated with your rental property, including legal action and court proceedings.

You may need to take court action in order to pursue unpaid rent, recover compensation for damage caused by your tenants or evacuate your property.

Landlord Contents

Residential landlord insurance with IC Insurance Solutions will give you complete peace of mind as it also covers contents insurance for expensive household items in your rental property. The covered items include furniture, soft furnishing, and appliances.

Rental Guarantee Insurance

If your tenants face difficulty in paying rent and you depend on your rental income to pay a mortgage or other outgoing expenses, rent guarantee insurance is perfect for you.

Rental guarantee insurance will cover the cost of missed rental income when the tenant defaults on payments.

Home Emergency

A cover that offers protection against incidents such as burst pipes, roof damage, and boiler breakdown.

Protect Your Property Against:

Fire

UK businesses lose millions of pounds every year as a result of unexpected fires. Our landlord insurance package will give you protection by covering the damage caused by fires.

Lightning

Residential landlord insurance package offers complete financial security against unforeseen natural events such as lightning.

Floods and Storms

Every year, thousands of properties in the UK are affected by floods and storms. A report by the Environmental Agency estimated that the damage caused by the winter floods of 2015-2016 was between £1.3 billion and £1.9 billion

IC Insurance Solutions provides you with a complete cover against floods, storms, and unpredictable climate conditions.

Escape of Water

Association of British Insurers (ABI) has observed a significant increase in claims related to damages occurring due to bursting pipes and other plumbing-related problems.

Escape of water insurance provides coverage against plumbing issues, leaking appliances, and bursting pipes.

Earthquakes and Subsidence

Earthquake, subsidence and all kinds of natural disasters can have a devastating impact on your rental property.

Our residential landlord insurance will insure the risk by providing reimbursement against all such events.

Explosions

Residential landlord insurance extends comprehensive coverage against varied threats that can put your property at risk.

With IC Insurance Solutions, you are covered against unforeseen eventualities such as explosions.

Aircraft Damage

Our domestic property insurance package also compensates for damage caused by aircraft or aerial impact.

Riots and Strikes

Civil unrest, strikes, and riots are a standard threat for property owners. Vandalism and civil disruptions can have devastating impacts on residential properties.

That is why our residential landlord insurance packages include cover for events such as riots and strikes.

Accidental Damage

Accidental damages caused by you or your tenants are also covered under our landlord insurance policy.

Malicious Damage and Theft

Malicious damage and theft insurance protects your property by offering a complete cover against theft, events of vandalism or malicious damage.

Impact Damage

Impact damage is another concern you will not have to worry about once you obtain property insurance through IC Insurance Solutions.

You will get compensated for your loss in case your rental property is affected or destroyed by impact damage.

Terrorism

With our acts of terrorism policy, you can expect coverage against any acts of terrorism that devastate your property.

About IC Insurance Solutions:

IC Insurance Solutions is a vibrant and enthusiastic insurance intermediary with a passionate team comprising of experienced insurance experts and seasoned brokers. We know the market inside out and our strong partnership with insurance providers enables us to provide comprehensive coverage to you at a competitive price.

If you have got any questions or you want to obtain a free quotation, get in touch with our specialist advisors, right away. Contact our office on +44120 4540897 or email us on info@icinsurance.co.uk.

Request a Residential Landlord Insurance Quote

Give us a call or drop by anytime, we endeavour to answer all inquiries within 24 hours on business days.

We are open 9am — 5.30pm from Monday till Friday. Alternatively fill out our form and we will get back in touch with you ASAP.

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