Landlords insurance recommendations please!

sillyme

Hi - I will be letting my flat for up to 12months, and so becoming a Landlord for the first time.

I need some advice / recommendations for Landlords insurance, if you can help!

I will not have any other contents insurance in the UK (as I will be living abroad) so cannot link this to an existing Contents or other home type insurance policy. My buildings insurance is managed separately.

A few facts - in case they help.

• My fixtures, fittings, decor, kitchen goods and furniture I am leaving behind total about £15k to replace as-new
• I have looked at DirectLine so far they seem ok, but will explore further with a phone call in the next few days
• Being specific, I additionally want to take out cover for Accidental Damage, Malicious Damage, Home Emergency (flooding, gas leak etc etc ), Dispute with tenants, Rental income cover in case the propery becomes inhabitable due to a 'home emergency'. Based on my research to date, all / most of these seem widely available as 'add-on' options so that's good

Can anyone recommend any Landlords insurance providers that you have had good experiences with?

Really appreciate any help!

(Also posted in Insurance)

silvercar

I had a difficulty finding insurance that would give a decent amount of cover for the property being uninhabitable combined with a small amount of contents insurance and no building insurance.

I used 'simply business' in the end. http://www.simplybusiness.co.uk/landlord-insurance/

caronoel

silvercar wrote: »

I had a difficulty finding insurance that would give a decent amount of cover for the property being uninhabitable combined with a small amount of contents insurance and no building insurance.

I used 'simply business' in the end. http://www.simplybusiness.co.uk/landlord-insurance/

I also use simplybusiness, and find them very good

LittleMax

Simply Business are a broker - which insurance companies are you with and have you made any claims? You usually only find out how good an insurance company is when you make a a claim.

I have been with Liverpool Victoria through Property Quote Direct which is Bedfords Insurance Brokers. Have recently made a claim for escape of water - which had a £500 xs - ouch! The leak was from the mains supply and turned out to be under the house, involved loss adjuster, but got full amount as went over limit of claim plus loss of rent (£500xs didn't seem so bad in the end). I would recommend LV but as with any insurance watch your excesses, limits of cover, and particularly with landlord insurance what is covered if property is empty for any period between tenancies.