Landlord Insurance

Commercial Home Insurance (Landlord Insurance) overview

The Commercial Home Insurance policy is a perfect solution for landlords looking to protect their rental property investment.

The policy provides standard cover and options for:

• Accidental loss and/or or damage to landlord’s buildings.
• Accidental loss and/or or damage to contents belonging to landlords and tenants alike.
• Landlord to tenant and tenant to landlord liability.
• Landlord/tenant liability against third parties.
• Tenant rent default.
• 24/7 Home Assistance and Emergency Services.

Depending on the chosen coverage, the following standard cover will come in force:

• Temporary alternative accommodation or loss of rent following an insured loss.
• Mechanical or electrical breakdown to air-conditioning and energy saving equipment.
• Trace and access cover.
• Fire extinguishing expenses.
• Loss or damage to locks and keys.
• Loss or damage to new fixtures and fittings in the process of being installed.
• Legal expenses in relation to various specific disputes.
• Loss of metered water and oil.
• Damage by emergency services if it is necessary to use force enter or exit a property during an emergency.
• Cover for garden furniture and equipment within the boundaries of the property.

Please refer to the Product Information Document for a full description of cover and exclusions.

Buildings and Contents cover is provided on an Accidental Damage basis rather than an Insured Perils basis. This important features means that landlords are offered a much wider scope of cover, since any accidental damage to their insured property will be covered, unless damage is caused by one of the limited number of exclusions specified in the Policy.