Landlord insurance

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Landlord insurance but not limited to:

Building insurance

The building insurance policy helps to protect against possible losses in the event of damage or theft of the property, which can happen.

Property damage insurance

Property damage insurance covers property against loss caused by fire, theft, lightning, earthquakes, hail, explosions, windstorms, and other perils.

Contents insurance

Having contents insurance would cover the cost of replacing your things if they were stolen, burned, or were damaged by an accident.

Emergency cover

Emergency cover is a type of insurance that helps pay for repairs or replacements in the event of a disaster.

Public liability cover

In the event that you cause someone else to get hurt or damage their property because you didn't do what you were supposed to, public liability insurance will pay for your legal costs.

Unoccupied property cover

If the landlord doesn't live in the house, he or she can buy an insurance policy called unoccupied property cover. This policy will pay for the cost of the house if it's left unoccupied and the landlord doesn't live there.

Rent guarantee insurance

Rent guarantee insurance is a type of insurance that protects a landlord from financial losses in the event that the tenant does not pay their rent.

Rental income protection insurance

Rental income protection insurance is insurance that protects your income in the event you have a loss of income due to the property being destroyed, damaged, or stolen.

Employers' Liability (EL) insurance

This type of insurance is used in the event that an employee is injured while on the job or while at your property. This insurance can protect you against the cost of medical care, lost wages, and other damages even if you are not at fault.

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Landlord insurance is a potentially important but often overlooked part of any landlord's financial planning. With our broker, you can be certain that your rental property is covered. Contact us now?​

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Count Ready is a leading landlord insurance broker, providing insurance for landlords and property managers across the UK.

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What is landlord insurance?

Landlord insurance is a type of insurance that covers the cost of damage or loss to the property due to natural disasters, accidents, or vandalism.

The following are some common types of landlord insurance:

  • Earthquake Insurance: This type of landlord insurance covers damage due to earthquakes. It also protects owners against lawsuits and losses resulting from earthquake-related injuries.
  • Flood Insurance: This type of landlord insurance covers damage due to floods. It also protects owners against lawsuits and losses resulting from flood-related injuries.
  • Tenant’s Liability Insurance: This type of landlord insurance protects landlords against claims made by tenants for personal injury or property damage caused by the tenant’s conduct.

What does landlord insurance cover in the UK?

Landlord insurance is a type of property insurance that covers the building, contents, and landlord’s liability. It usually covers the home or business against fire, flooding and explosions, theft and vandalism, subsidence, escape of water, and replacement of locks and lost keys.

Landlord insurance can also cover legal expenses if you have to take legal action against your tenant.

Do I need landlord insurance?

Landlord insurance is a necessity if you are renting out your property. It will protect the landlord from financial loss in the event of damage to the property, and investment, and give you peace of mind.

What types of landlord insurance are available?

Different types of landlord insurance are available to protect you and your property. The following are some possibilities for you to consider:

Building insurance: Landlord building insurance is a type of insurance designed to protect what you own. As a landlord, you are responsible for maintaining the property that you rent out and must take care of any damage or accidents that occur. Landlord building insurance can cover your property from damage due to natural disasters and accidents, as well as fire and theft.

Contents insurance: Landlord contents insurance covers your private property and belongings such as furniture, electronics, and appliances while you’re living at the property.

Rental income protection insurance: Rental income protection insurance makes your income and investment more secure. You can enjoy peace of mind knowing that your rental income is protected from the unexpected, should you ever need to claim.

Rent guarantee insurance: The rent guarantee insurance for landlords is designed to protect landlords from tenants who may be unable to pay their rent on time. The policy will cover the landlord for a certain period of time, usually one year, and will cover the rent, which includes expenses such as interest and late fees.

Property owner’s liability (public liability) insurance: You could be sued by a tenant who has been injured on your property and believes it was due to your negligence.

The following are examples of what your liability insurance may cover:

  • Damage to your real estate caused by the negligent acts of your tenant, party guests, and/or guests on your property.
  • Any injuries to your tenants, party guests, and/or guests at your property caused by the negligent acts.

Unoccupied property cover: Every landlord has a property that is not being occupied. This can be due to a previous tenant’s lease expiring, the property became too run down for new tenants, or if you are considering selling your property, it might be worth getting this type of insurance to protect you from a potential loss.

Emergency cover: When landlords need to deal with an emergency, they can turn to landlord emergency cover. This kind of insurance gives landlords expert advice and money when they have to pay for things that aren’t expected.

How much does landlord insurance cost?

There are many factors that contribute to the cost of landlord insurance. However, the cost of insurance can vary significantly depending on a number of factors.

The cost of landlord insurance is largely influenced by the type of policy you purchase and the coverage provided.

In general, tenant liability coverage is the more expensive option as it protects you from any damage or injuries that your tenants may cause to other people or property.

How to get cheaper landlord insurance?

With the rising cost of living and property prices, people are struggling to find affordable insurance. The best way to get cheaper landlord insurance is to shop around for a more affordable price and ask for discounts.

A few things you can do to get cheaper landlord insurance are:

  • Ask your broker if they have any discounts available.
  • Shop around with several different companies.
  • Make sure your landlord’s policy has enough cover.

Count Ready is a public liability insurance broker and offers comprehensive public liability insurance

We help you find the best public liability insurance policy that suits your needs.

Never worry about your liability again: A public liability insurance policy offers protection against any potential liabilities that can happen in a particular instance. In a nutshell, it stops you from losing money and lets you focus on your day-to-day activities without having to think about it.

Looking for a public liability insurance broker?: Count Ready is your best choice! We help you find the right policy, at the right price, in the right location. Call us anytime!

Is your company insured?

The right answer is yes. Count Ready Insurance Brokers are here to help you protect your business with the best public liability insurance options in the market!

What if my company can’t afford insurance?: Don’t worry if your company can’t afford to purchase insurance. We’re here to help. It’s because we offer a unique service that allows us to give you rates that are the best in the market.

Ensuring you against public liability claims: We offer insurance through a broker that helps you find the right insurance policy with the lowest premium.

Quality, service and expertise you can trust: Count Ready Insurance Brokers’ premiums are competitive with top-rated customer service for any questions or queries.

Need your landlord insurance today, we can help.

Find the right insurance for you

There are a lot of different types of insurance to choose from, and it’s hard to know where to start. Let Count Ready help you find the best insurance at the best price!

Make things easy for yourself: Get all your information in one place, from premiums and renewal dates to coverage options and more. Just enter your details on our website and you’re good to go.

The Right Choice: Whether you’re an individual or a business, we offer affordable rates and flexible terms that ensure you receive the right coverage for your needs. We also provide brokers with an easy-to-use platform so they can quickly and easily sell their policies to their clients.

Find a new way of life with Count Ready: Get all the information about public liability insurance in one place. From premiums, renewal dates, coverage options, and much more, Count Ready has got it all!