Home insurance for landlords

Landlord insurance is the same as normal types of home insurance that everyday people apply for.  All landlords need buildings insurance for the property that they may own but contents insurance is not essential as it will depend on how the property is equipped.

Landlords should conform to the list below to help minimise risks that property letting may involve:

• Landlord liability – This covers for injuries that the person living in the rented accommodation my claim for against the landlord. If conditions are dangerous in the rented accommodation as a result of negligence on the landlords behalf then this could affect the claim.
• Emergency assistance – Protection against call out fees for contractors carrying out work for emergencies. These may include roofing damage, heating problem, lost keys, plumbing etc
• Extra cover – For example, loss of rent due to the tenant not paying up. Additional cover could help in these circumstances.

Home Insurance Guide
Why is home insurance needed? Explanation of buildings insurance Explanation of contents insurance Home insurance for landlords Where can I apply for home insurance? Tips for reducing home insurance costs Making a home insurance claim	"Geting extra protection could be helpful in an event of a tenant not paying the rent "