UK Short Term Landlord Insurance
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This type of cover is aimed at short term lets to people that just wish to rent a property for a short term, typically 3 or 6 months, but can be a longer or shorter time period
When a property is let out on a short term basis, it will have increased risk of damage. Even minor damage if unreported by a tenant can turn into a very expensive repair bill. Because of the increased risk, you need specialist insurance that comes under the label of short term landlord insurance, often referred to as buy to let cover. If you envisage the property being unoccupied between lets look for a policy that provides extended cover for periods of unoccupancy.
Short Term Landlord Insurance options
Short term landlord insurance can include the following elements, with varying levels of cover suited to your individual requirements.
What does Short Term Landlord Insurance cost?
The cost will depend on a number of factors, but leading factors include the value of the property, the level and elements of cover required, the location, some locations pose a higher risk than others. Example, if the property was in an area with higher risk of burglary or if the property was located in a region with high risk of subsidence or flooding.
Do I need Short Term Landlord Insurance?
Temporary landlord insurance is not mandatory, but most lenders will insist that you take out the minimum of landlords buildings cover as part of the loan agreement.
Can I use regular Home Contents Insurance as a landlord
Standard household insurance is not suitable for properties that are being rented out to tenants. Rental properties are a higher risk to any insurer, and you will need to look for insurance that covers you for being let out to tenants. Thee additional risk include malicious damage to your property or furnishings and claims against you for injury or illness.