Sainsbury’s Landlord Insurance

Sainsbury’s Landlord Insurance

Having landlord insurance is a good idea whether you have one buy to let property or a large property portfolio.

You may wonder what landlord insurance policy is right for you; Sainsbury’s landlord insurance is unavailable. Still, numerous other insurers might be able to offer you the right policy.

When Sainsbury’s landlord insurance was available, they featured:

• Up to unlimited buildings insurance
• The option of increasing your cover
• No claims discounts
• Loss of rent while your property is undergoing vital repairs
• Insurance for high-risk items
• Replacement of lost keys
• Accidental damage cover

As a result, you may wish to look for landlord insurance with similar features.

The landlord insurance market varies greatly, so before you take out a policy, it might be wise to consider what features are important to you and shop around thoroughly to try and find the plan that fits your specific circumstances best. Also, consider the optional extras different policies might have to offer.

Types of Landlords insurance

There are different levels of cover available for landlords, so it’s important to think about what level of cover you feel comfortable with

Landlords Building Insurance

The absolute minimum level is buildings insurance, which will cover the structure of the building. It may also pay for the rebuilding cost if an insured event happens that destroys the property.

Landlord Content insurance

If you rent your property as furnished, this will cover the costs of any damage caused to the; carpets, sofas, TVs and other items you provided; it may also provide cover from theft.

Landlord Liability Insurance

Liability insurance will cover you if one of your tenants goes into litigation with you for personal injury.

Loss of Rent cover

If something accidentally happens that damages or destroys your property, causing you to lose rent, then this insurance might be able to reimburse you the loss of rent; it may also pay for alternative accommodation for your tenants while your property is repaired.

Landlord Emergency cover

This will cover the cost of emergency repairs following incidents that need immediate attention, like a burst pipe or gas leak. This type of insurance can help you get a qualified tradesman to issue 24 hours a day, 365 days of the year.

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