Need flexible, affordable, landlord insurance? Let Fortify Insurance compare our markets to find you great quality cover.
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At Fortify, we don’t believe that landlord insurance should be a one-size fits all policy, but something that we will build around your needs. There are, however, some core elements that you should look to include in your policy, such as:
This forms the basis of most policies and provides protection should the property be accidentally damaged by common risks such as fire or flood. Most mortgage lenders will insist that you take out buildings cover, unless you own the property on a leasehold basis, in which case your lease owner or management company may already have a policy. You also need to make sure that your building is covered for rebuild costs. These are not the same as the market valuation but how much it would cost to rebuild it, and you should get a professional assessment of these costs before taking out a buildings policy.
If you’d like some advice on getting the right buildings cover for your property, then please call the team on 01733 301520 and we’ll be only too happy to help
What would happen if you were unable to collect the rent owing to your property becoming uninhabitable following a flood or fire? With loss of rent cover, you will be able to claim all, or a portion of lost rent should this happen. You may even be able to claim for the cost of providing alternative accommodation for your tenants
Please note loss of rent will not reimburse you should your clients simply fail to pay the rent. For that, you’ll tenant default insurance
Please note this will not include your tenants’ possessions; they will need to take out their own contents policy for that
We can provide cover a wide range of tenant types, including:
If you have a specific requirement that isn’t listed above, then please contact us on 01733 777789 and we’ll be happy to try and a find a solution for you
Residential landlord insurance can be a complex issue, so to help you get the cover you need here are the answers to some frequently asked questions:
While it’s not a legal requirement, renting a property out without landlord insurance could prove unwise. Standard home insurance won’t give you the protection you need and if you have a mortgage on the property, your lender may well insist upon you having a policy in place.
That will depend on a number of factors including:
We are extremely flexible, so if you’d like to discuss your specific needs, then please call 01733 301520 or contact us today.
That will depend on your circumstances. At Fortify we believe in building protection packages around our clients’ needs, so we’ll look at your business with you and find you the high-quality protection you need without paying for elements you don’t need. If you’d like to discuss your requirements, then please call us on 01733 301520 or contact us today.
