At Swinton, we have been providing insurance for over 65 years, and Landlord Insurance specifically for over 15 years. Our experience means that we understand the importance of protecting your investment, especially with so many responsibilities and unforeseen risks as a landlord. We work with a panel of specially selected insurers to provide Landlord Insurance that may suit your needs – whether you’re renting out a second home or managing an extensive portfolio of properties.
What is landlord insurance, and do I need it?
Landlord insurance can protect you against financial losses due to damage caused by perils such as theft, vandalism, fire, and flooding. While it’s not a legal requirement for landlords to have, it’s important to remember that a standard home insurance policy wouldn’t cover your property if it’s being rented out to paying tenants. Plus, if you have a buy-to-let mortgage, it’s often a condition of lenders that you have dedicated landlord insurance in place.
Types of Landlord Insurance available
Commerical Property Insurance: For properties used for business purposes, such as a shop or an office.
Buy-to-let insurance: For properties specifically purchased with intention of being rented out.
Landlord Legal Protection: Cover the cost of legal fees for things such as tenant eviction, tax disputes, and criminal prosecution defence.
What does Swinton Landlord Insurance cover include?
• Unoccupied properties covered up to 60 days
• Financial protection against a wide range of perils, including – but not limited to – fire, storm, flood and landslip
• Flexibility to include/exclude subsidence cover
• 24-hour claims assistance, 365 days a year
Additional cover options include:
• Alternative accommodation
• Theft of keys
• Malicious damage caused by tenants
• Accidental damage
• Holiday home cover
• Landlords content cover
• Land cover
• Landlord Legal Protection
