Needham Insurance Services

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Landlord Insurance

Nuneaton's only independent insurance broker

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Needham Insurance is a specialist insurance broker for landlords and property management businesses. There is a wide range of policies available to cover various elements. Options can include the following:

Buildings insurance

Typically, Landlord Insurance policy will insure against flooding, fires, storm damage and theft; covering you for damage to the structure of the building

Contents insurance

This is insuring the contents within the house, such as curtains and carpets.

Rent Guarantee Cover

This cover insures you for the unlikely event that you cannot rent out the property due to damage to the property, in the event of a claim.

Liability insurance

Additionally, there may be liability cover for you as the property owner if something happened that caused injury or damage to a third party – for example a roof slate coming loose and falling onto a neighbouring property and causing damage.

Unoccupied property cover

This covers you when the property is unoccupied between tenants.

Frequently Asked Questions

Do I have to have landlord insurance?

Legally you don’t need Landlord insurance but in the unfortunate occurrence that something goes wrong, it gives you the peace of mind that you are covered. Be aware that many mortgage lenders make it a requirement to take out buy to let insurance cover.

Is home insurance enough cover for my rental property?

Unfortunately, your home insurance will not cover you for a rented property if you are not living there. Issues occurring on a rental property can be very different to the issues that arise on the property that you live in, therefore specific policy is required.

Can I insure multiple properties on one policy?

Yes, you can. One of the advantages of a Landlords Insurance Policy for residential property is that it creates less administration and means that you have just the one renewal date to remember!

Do I need specialist insurance for unoccupied property?

If a property is unoccupied, you do need to declare that with your insurance provider. Whether you are selling the property or awaiting probate, or simply because the building is being renovated, you need to ensure that you have adequate insurance. Typically, a regular insurance cover will stipulate that the property should not be unoccupied for more than 30 days. If your property is going to be unoccupied for longer, you should get a specific policy for unoccupied property.

How much does landlord insurance cost?

Cost vary dependent upon the size of the property and the type of cover that you require.

Why choose Needham Insurance for buy to let insurance cover?

Needham Insurance is a specialist in the property insurance sector. We have access to a variety of leading UK insurers and can provide you with the specific cover that you need – often saving you money over generic policies.

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