All UK landlords want cheap landlord insurance so if you have a spare five minutes today, we can show you where you can find the cheapest landlord insurance in the UK and show you some other tips and tricks as well as a free tool for a cheap landlord insurance comparison.
AXA does a lot for landlord regarding all the policies you need to run your business or if you an accidental landlord, AXA is a winner with a policy starting from £120 annually or £12 per month.
We've written an article on AXA Landlord Insurance - here.
We know landlords that have taken a policy from AXA and they're happy with them and you see that as soon as you phone or email them as their on the ball. And AXA can provide the cheapest landlord insurance for multiple properties, 10 properties in fact, all under one policy.
Go a AXA for landlord insurance - click here.
AXA can offer you cheap landlord contents insurance if you take your buildings insurance with them too. Again, we can't say how much or we would be giving you false information here, and AXA wouldn't like that!
If you have a few quid invested on household contents that you provide for your tenants, it may be worth taking a wee policy out to cover your contents so you get up and running again after a tenant wrecks the place.
The tenant type can determine if a contents policy can be taken out because some tenants like asylum seekers and council tenants are higher risk for the insurers.
More Than offers UK landlords buildings insurance because that's the most important product, before contents insurance and all the other products you can add to a More Than Landlord Insurance policy.
Cheap landlord insurance from More Than starts from £11.08 a month.
Buildings insurance, protects your property's external and internal structures for Fire damage, Flood damage, Vandalism, Theft and burst pipes in an emergency;
Malicious damage cover can be a lifesaver for UK landlords. If you fall out with a tenant due to rent problems or you want to remove them from that property and they take the huff, they could wreck the place and without good insurance, you need to pay for that damage out of your own pocket. With More Than, you'll get the repairs done to a condition where you can rent it out again and the work gets done very quickly as soon as the claim has been accepted and that's fast with More Than Landlord Insurance, too.
Buy the way, your tenant type will count on you getting a policy for malicious damage by tenants. DSS tenants have the worst reputation, compared to a profession and hard-working individual.
Where alcohol, drugs and other substances are involved, things get out of hand very easily and your property is the thing that gets damage if the police go through the door or someone else.
More Than offer UK landlord accidental damage by tenants cover as standard in their policy, some insurers do not and it has to be purchased separately. If any valuable asset like a grand piano gets scratched or a tin of paint gets spilt on the carpet, that's where More Than Landlord Insurance pay for the accidental damage so it doesn't come out your own pocket.
You know as a UK landlord you have landlord responsibilities and your property needs to be safe and free from health hazards where tenants can injure themselves. UK landlords (even local councils) have to perform an annual gas safety check to make sure the boiler and gas work is safe. Landlords who want some level of liability protection can take a policy which pays-out £2 million if a claim is made against you or your business.
And for portfolio landlords, you can increase that amount to £5 million.
Simple is one of the only insurance providers that provide buy-to-let landlord insurance, starting at £112.68 a year, per property ( price from 23/12/2019). That makes Simple a good company because they are experts on insurance for landlords, and you should consider checking them out before you invest in a policy, speciality portfolio landlords.
Simple is like a Netflix for UK landlords as you can add and remove optional extras and pay for what you need in one screen when you log in.
Simple is an award-winning landlord insurer because that's all they do and they've got better at working with UK landlords for over 20 years.