Why take the risk?

When renting a property, you are running a business and as a result you need to protect it with a suitable policy. Being a landlord obligates you to take on certain responsibilities that may not be immediately apparent.

As a landlord you are responsible to a certain degree for the well being of those that reside in your property. For example a tenant harms himself or herself whilst using an electric kettle and claims that it was caused as a result of faulty wiring. The Landlords Liability (Public Liability) cover will meet the cost if you are deemed legally liable as the owner of the property.

Furthermore should the insured property be considered to be uninhabitable whilst repairs are being made, the cost for alternative accommodation for your tenant and lost rent to yourself may also be covered under some plans.

Ensure that your investment property is adequately protected with a policy specifically tailored to your requirement.

Rent Default & Burglary – From time to time disputes are likely to arise with a tenant. The tenant refuses to pay and skips town and perhaps causes damage and steals items. During these events properly structured landlord insurance will cover it.  

Loss of rental income - This is the most important part and will cover you in instances where there is an accidental damage to your property, which has resulted in a loss of rental income. Apart from that loss of rental income, other events can occur such as absconding tenants, the tenant defaulting on payments, etc.  Landlord insurance can cover these events too.  

Legal liability – Prior to taking any landlord insurance policy out, make sure that your insurance policy covers you for public liability. In this you will be protected for any event whereby a tenant or a 3rd party individual suffers an injury and subsequently sues you for damages.

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