BENEFITS OF LANDLORD INSURANCE

• Cover for houses, bungalows and flats. 
• Commercial and residential combined. 
• Loss of rent cover is 30% of the buildings sum insured.
• Employers Liability to £10 million.
• Property owner's liability £5,000,000. 
• 45 day unoccupancy clause. 
• Contents cover up to £40,000. 
• Insurance cover is 'new for old'.
• Replacement lock cover after a theft
• Standard policy excess: £250 for buildings and £50 for contents

The full terms and condition can be found below but the main benefits include:

Advisors costs up to 10,000 per claim.
Monthly Rental up to £2,500 per month (Maximum £10,000 per claim).
Flexible cover to match your needs.
REQUIREMENT
NB. Tenant referencing
It is a requirement of this policy that the policy holder presents the following information in the event of a claim.
EITHER (For professional lets ONLY)

2 forms of identification from the tenant, one containing a clear verified photograph.
Confirmation of employment – a written employers reference on company letter headed paper confirming the Tenants permanent and current employment and that their salary is at least a multiple of 2.5 of the Tenant’s Rent.
A credit check, clear of CCJ’s, bankruptcies & indicating confirmation of residency.
The documents should be no more than one month old from the start of the Tenancy.
OR (If the above is not available or for students and/or DSS lets etc.) A full tenant reference from an approved referencing company. (See Tenant Referencing)