Landlord Insurance
Comprehensive Insurance Solutions for Landlords
Owning rental property comes with unique risks and responsibilities, making specialised insurance coverage essential to protect your investment.
Our comprehensive landlord insurance is designed to safeguard your properties, ensuring you can rent with confidence and peace of mind.
What You Get
PO Liability
Buildings
Contents
Terrorism
Legal
And more…
What is Landlord Insurance?
Landlord insurance is a specialised type of insurance designed to protect property owners who rent out their properties. This insurance covers various risks associated with renting, including property damage, liability, and loss of rent.
Essential Coverages for Landlords
Buildings Insurance
Buildings Insurance protects your property against damage from events such as fire, flood, storm, and vandalism. This coverage ensures that the structure of your building is protected from various potential damages.
Contents Insurance
Contents Insurance covers the cost of replacing or repairing items within the property, such as furniture, fixtures, and fittings, if they are damaged or stolen. This is particularly important if you rent out a furnished property.
Property Owners’ Liability Insurance
Property Owners’ Liability Insurance protects against claims from tenants or third parties for injuries or property damage that occur as a result of your property. This coverage is essential for covering legal fees and compensation costs if a tenant or visitor sues you.
Loss of Rent Insurance
Loss of Rent Insurance provides financial protection if your property becomes uninhabitable due to an insured event, such as fire or flood, and you lose rental income as a result.
Employers’ Liability Insurance
Employers’ Liability Insurance is legally required if you employ staff to manage your property, such as a property manager or maintenance worker. This insurance covers claims from employees who suffer work-related injuries or illnesses.
Legal Expenses Insurance
Legal Expenses Insurance covers the cost of legal action related to your rental property, such as eviction proceedings or disputes with tenants. This insurance provides financial support for legal challenges.
What Makes Us Different
We are specialists in the Landlord Industry. We have the expertise and knowledge to get your business the most comprehensive and competitive insurance solution. We add value to your business by working closely with you, helping protect your business from financial loss, all while delivering a seamless easy experience.
Why Do You Need Landlord Insurance?
Owning rental property involves significant risks, and having the right insurance coverage is crucial to protect your investment from potential financial losses and legal complications. Here are key reasons why landlord insurance is essential:
Risk Mitigation: Protects your property from financial losses due to damage, theft, and other risks.
Legal Compliance: Ensures your business meets legal requirements for landlords and employers.
Income Protection: Provides financial protection against loss of rent and legal costs.
Peace of Mind: Offers comprehensive protection for both your property and your tenants.
How to Save on Landlord Insurance
At ABA Insurance, we are committed to helping you find the best deals on quality cover. Here are some tips to save money on your landlord insurance:
Get Independent Advice: This specialist area of insurance benefits from expert advice. Our team can help you navigate the complexities of landlord insurance.
Shop Around: Comparing quotes from different insurers can help you find the best deal. ABA Insurance has the expertise and contacts to help you get the right cover at the right price.
Install Security Features: Enhancing the security of your property with alarms, locks, and CCTV can help reduce premiums.
Regular Maintenance: Keeping your property well-maintained can prevent issues and potentially lower your insurance costs.
Why Choose ABA Insurance for Landlord Insurance?
ABA Insurance offers flexible, quality cover tailored to your needs, providing several benefits:
Independent Advice
Our team of specialists provides independent advice to ensure you get the best coverage for your properties.
Tailored Protection
We offer protection tailored to a range of property types, ensuring your specific needs are met.
Comprehensive Service
From quote to claim, we provide comprehensive service to support you at every stage.
Transparent Pricing
Our policies offer great value for money with no unexpected charges.
24/7 Legal Helpline
Access round-the-clock legal information and guidance from experienced solicitors.
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Property Owners Liability actually cover?
This protects landlords against claims for personal damage or property damage suffered by third parties arising from the policyholders ownership of property.
What does the buildings cover actually cover?
This covers the cost to rebuild your property should damage arise from an insured peril. This should include all costings including debris removal, professional fees and other costings that could be involved to rebuild your property.
What if I don’t know some of the information you require?
We can work with you and help you find information about your risk. With the right advice we hold your hand through the requirement process for an easy and seamless process.
How do I find out the rebuild cost of my property?
We recommend you get the buildings valued by a surveyor with experience of insurance valuations. The valuation exercise should be repeated every three to five years, as although insurers may index-link the sum insured each year, this is based on national indices and the actual cost changes do vary on a regional basis. So over time, your rebuild value may vary from the buildings true valuation.
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Do I require contents insurance and what does it cover?
Contents is not just your general furniture. This may also include carpets, curtains, blinds and other parts of your property that the building cover does not pick up. Discuss with us if you are unsure to what is deemed contents and what is fixture and fittings by calling 01474 833 322.
What is the difference between rent receivable and rent guarantee?
Rent Receivable will cover the rent during the period an unforeseen event occurs deeming the property unhabitable, The insurer will cover the loss of rent during the time it takes the claim to be completed. Rent Guarantee on the other hand will cover you should your tenant not pay your rent.
What additional covers do you recommend as a Landlord?
There are many covers that fly under the raider which we highly recommend such as Rent Guarantee, Home Emergency, Landlord Contents and Legal Expenses.
One Point Of Contact, Countless Ways To Help.
Get Your Landlord Insurance Quote Today
Protect your rental properties with ABA Insurance. Use our online quote generator to get a personalised quote or contact our expert team for tailored advice. It’s quick and easy, taking just a few minutes to ensure you have the right cover in place.
