Being a landlord involves a lot of responsibility, leaving little room for error. A landlord insurance policy can act as a safety net if anything were to go wrong.
Why choose Howden for Landlord Insurance?
As an insurance broker which specialises in business and property cover, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing different landlord insurance packages, on your behalf, simple and straightforward. What’s not to like?
Here at Howden, our team understands that each landlord policy needs to be as individual as its owner and their property portfolio, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your insurance.
Whether you need to make a claim, purchase a new landlord policy, or renew an existing one, just know that we’re here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
Do I need Landlord Insurance?
Whether or not you need landlord insurance will depend on several factors, many of which are related to your personal situation and property portfolio. Although landlord insurance is not legally required, many landlords choose to take out a policy in order to protect their property investment and their monthly income.
For example, if rental payments weren’t coming through from tenants as expected, or a property was in desperate need of repairs, some landlords wouldn’t have the savings to cover these issues whilst also affording to pay off their own mortgage. But that’s where landlord insurance comes in, to provide that peace of mind that your property business is protected for the long run.
But what insurance do you need as a landlord?
Landlord insurance policies are very similar to ordinary home insurance policies, but they instead also include coverage to protect landlords from the regular, day-to-day issues that they face. The following types of landlord insurance, together, can provide the all-round protection that landlords need:
- Landlord’s buildings insurance
- Landlord’s contents insurance
- Rent Guarantee insurance
- Liability insurance (i.e., public liability, employer’s liability etc.
You can, of course, adapt your landlord insurance package to suit your property business and your personal needs because you can pick and choose which coverage options are most important to you.
The best way to get started is by speaking to an insurance broker like Howden. We’ve got years of experience working with landlords and would be proud to help you find an insurance policy that ticks all your boxes too. Call or visit us today and find out more about we can help you with any landlord insurance related queries you might have.
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Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.