Get the best coverage for your landlord insurance
If you’re a landlord renting out property, then it’s vital you have the right insurance cover in place. We can help you with buildings insurance, contents cover, and liability protection, you can rest easy knowing your property and investment are well-guarded. So, while you focus on keeping your tenants happy, let your insurance look after your assets. We can access a range of covers, including Landlord Liability if a tenant or visitor suffers an injury, Legal Expenses, if you need to evict a tenant or face other legal disputes, and Alternative Accommodation, which will pay for alternative housing for your tenants if the property is uninhabitable.
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Top policy features for Landlord Insurance
Accidental Damage
Protection against accidental damage to the structure of your property caused by your tenant
Loss of Rent Insurance
Cover if the property becomes uninhabitable due to an insured event(like a fire or flood
Landlord Liability Insurance
Where a tenant or visitor is injured on the property and holds you responsible
Rent Guarantee Insurance
Protects against tenants defaulting on rent payments
What we cover
Here’s a breakdown of what our policies offer for landlords under our range of Building and Contents policies.
| Buildings Cover | Available? |
|---|---|
| Storm and flood cover | |
| Escape of water | |
| Malicious acts and vandalism | |
| Subsidence cover | |
| Loss of rent and alternative accommodation | |
| Accidental breakage to glass | |
| Replacement locks cover | |
| Tracing and Access | |
| Emergency repair cover | |
| Theft or attempted theft | |
| Cover for escape of oil |
Policy Excess
Policy Excess
- Compulsory Excess
- Voluntary Excess
Compulsory Excess
A compulsory excess is a fixed amount set by your insurer that you must pay when you make a claim. This amount is non-negotiable and is determined by the insurer based on various factors, such as the type of coverage and the risk profile of your property. For example, if your compulsory excess is £200 and you make a claim for £1,000, you will receive £800 from your insurer after paying the £200 excess.
Set by the insurer: The amount is predetermined and cannot be changed by the policyholder.
It may vary by claim type: Different types of claims (e.g., subsidence, water damage) may have different compulsory excess amounts
Non-negotiable: You must pay this amount for any claim you make.
Voluntary Excess
A voluntary excess is an amount that you select, that you must pay when you make a claim. This amount usually helps to reduce the cost of the premium, because it means that in the event of a claim the insurer will pay out less. Different excess levels are often available, in return for a premium discount.
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Comprehensive Car Insurance
This includes TPF+T cover, plus any other accidental damage caused to your own vehicle.
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Third Party, Fire and Theft (TPF+T) Car Insurance
This cover includes TPO cover, plus loss or damage if your car is stolen or damaged in a fire.
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Third Party Only (TPO) Car Insurance
Third Party insurance cover is the minimum legal level of cover needed to drive a car. If you cause damage to someone else's property or injure them while driving, that person will receive appropriate compensation.
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Other covers
We can also offer some great benefits alongside our policies such as Legal cover, Accident & Breakdown cover, Excess Protect and Key Protect. We also offer a free 24-hour claims helpline to all of our policyholders to ensure you have someone to help you when you most need it.
OUR PROMISE
Your tenanted property is one of the most valuable assets you own. Let Dickson Group take the hassle out of Property Owners Insurance
We know that no two properties are the same. We have access to a range of Property Owners policies that can be tailor made to your individual requirements, whether you own a single rented property, or several.
Support information
In the event of significant damage to your home, the Dickson team are here to help. Your cover can be tailored to ensure you have the best protection in place.
Dedicated Claims Team
Our highly specialised in-house claims team will work on your behalf with insurers, loss adjustors, and suppliers to get the property habitable as quickly as possible.
Dickson Claims Assist
Your own loss assessor service who will negotiate with insurers on your behalf, help manage the paperwork, and work with contractors to get your home back to normal.
Temporary Accommodation
If your tenant is unable to stay in your home because of the damage, your insurer can offer cover to move them and their family and pets into accommodation nearby.
FAQs
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Landlord insurance typically includes coverage for property damage, liability protection, and loss of rental income. It may also cover tenant injuries on the property
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Yes, most landlord insurance policies include coverage for loss of rental income if the property becomes uninhabitable due to an insured event
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Policies often have exclusions for certain types of damage, such as wear and tear, intentional damage by tenants, or certain natural disasters. It’s important to speak to us and we’ll talk you through what’s covered and what’s not
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Yes, many insurers offer discounts for properties with safety features like smoke detectors, security systems, and fire alarms