Landlord Insurance - recommendations and advice please

NinjaB

First time looking for this and have got myself completely bamboozled and would really appreciate your recommendations if you have landlord insurance.

We are renting out a property unfurnished. We were going to go with Saga http://www.saga.co.uk/insurance/home-insurance-products/landlord-insurance.aspx I know they said they do legal cover but I would have thought I would need public liability cover in case someone hurt themselves at the property and couldn't see it highlighted in that one? Anything else I really should have?

I should mention that, due to !!!! ups the agent made during the process of renting they are giving us a rent guarantee scheme for free but I believe the £50000 legal cover would relate directly to items arising eg going to court for unpaid rent etc


If you have an all encompassing cover you could recommend it would ease the headache I have given myself.

Thank you

dimbo61

Type in the search bar "landlords insurance "
Direct line have a great advert on TV, endsleigh for students, gocompare, moneysupermarket.etc
We use a broker and towergate underwriters

G_M

Compare companies in the usual way ie

* premium (cheapest company will depend on specific circumstances eg postcode, number of rooms etc, so no one company is always cheapest)

* policy. Different companies include/exclude different things, and have different levels of excess etc

however nearly all will offer public liability (read the policy documents). Other things to look for which might be optional or extras would be malicious damage by tenants, legal cover, accidental damage etc

Some Buildings policies for LLs include £5K of contents cover, useful to cover fitted carpets and white goods.

But as said, always read the policy document.

silvercar

alan boswell

direct line for business

simply business

shays_mum

Thanks for the recommendations, saved me alot of footwork.

I went with simply business, they include alot of extras & added on home emergency cover for £65.

I noticed there is a refer a friend where we get both get £25 each. If anyone is interested in that pls pm me. All we need to do is swap surnames & policy no & there's no maximum amount of times we can claim this!!!

silvercar

shays_mum wrote: »

Thanks for the recommendations, saved me alot of footwork.

I went with simply business, they include alot of extras & added on home emergency cover for £65.

I noticed there is a refer a friend where we get both get £25 each. If anyone is interested in that pls pm me. All we need to do is swap surnames & policy no & there's no maximum amount of times we can claim this!!!

So who got the £25 for referring you?;)

shays_mum

Silvercar, am more than happy to share this bounty with you esp as it was your recommendation!:D

If you have a policy with these guys, pls pm me so we can swap details & we both get 25 squid yay!.

Does no one want any free money these days?!:o

Simply business said there's no limit to the amount of different £25 claims any 2 people can make. We are only swapping surnames & policy no's, due to data protection no account details will be discussed with anyone either!.