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Guide to Endsleigh Landlord Insurance

Endsleigh insurance was established in 1965 by the National Union of Students (NUS) to offer insurance to college and university students. However, the company has since expanded its insurance offerings to include charity and not-for-profit insurance, education insurance, commercial insurance, personal insurance and the Endsleigh landlord insurance.

The Endsleigh landlord insurance, also known as the landlord property insurance, is designed to offer protection against risks such as malicious and accidental damages, fire, theft, and flood that may affect your building and its content. Landlord insurance is recommended for anyone who owns a rental property instead of home insurance, because it offers a more dedicated protection and is often required by mortgage providers.

What types of Endsleigh Landlord Insurance are available?

This is the cover designed specifically for landlords letting their properties to students or Houses in Multiple Occupation (HMOs). The student landlord insurance policy offers the following covers:

Building Cover

Buildings and contents insurance which allows up to £1,000,000 buildings cover, £5,000 to £60,000 contents cover and occupiers’ liability up to £2 million.

Cover When Empty for Extended Period

Extended unoccupancy cover of 120 days to cater for periods when student tenants are on holidays, extended empty house insurance is not normally include in a standard landlord policy.

Loss of rent

In the event of property damage or inhabitable conditions caused by a covered incident like a fire or flood, the student landlord insurance safeguards against loss of rent and offers temporary accommodation for tenants.

Cover For Damage by Students

Coverage for theft, malicious damage, or vandalism caused by tenants is automatically included in the student landlord insurance, providing up to £25,000 for potential damage concerns with new tenants.

keys Lost by  Students

If your tenants lose or have their keys stolen, this service covers the replacement of external door locks, guaranteeing the security of your property and possessions.

Multi-property Landlord Insurance

Multi-property landlord insurance is for landlords who want to cover all their rental properties under one policy. This will save you the stress of too much paperwork, make your policy easier to manage, and may even be cheaper than insuring your properties individually. The following covers are included in this policy:

  • Building cover plus £5,000 cover for content per property.
  • Accidental and malicious damage
  • Cover for damages caused by tenant pets.
  • Unoccupancy expansion for up to 120 days.
  • Property owner's liability/public liability coverage extends to a maximum of £10 million.
  • In the aftermath of a covered event, this insurance addresses loss of rent and provides alternative accommodation.

Commercial Property Landlord Insurance

This caters to the property insurance needs of commercial landlords. It includes:

  • Insurance for commercial buildings.
  • Liability coverage for commercial property owners includes up to £10 million, and there is an additional provision of up to £100,000 for commercial legal expenses.
  • Insures you for 120 consecutive days when your property is unoccupied.
  • Covers a maximum of £100,000 in commercial legal expenses relating to your property.

Residential Landlord Insurance

If you're letting your property to tenants for residential purposes, this policy will offer you the following covers:

  • Protection to identify the origin of leaking water from any permanent water or heating installation is available, with coverage extending up to £7,500.
  • Coverage for unintentional harm to underground drains, pipes, cables, and tanks responsible for services to or from your property, as per your legal responsibility.
  • A maximum of £3,000 for temporary alternative accommodation costs when your building becomes uninhabitable for reasons covered under your policy.
  • 120 days of occupancy extension.
  • Property owner's liability coverage is included as a standard feature, providing up to £5 million in protection.
  • Your buildings are insured for up to £1 million, encompassing coverage for fixtures and fittings, safeguarding against events such as fire, theft, and flood.
  • Coverage for items provided to tenants, ranging from £5,000 to £60,000, including white goods and furniture, with occupiers' liability extending up to £2 million.
  • Up to £25,000 is added as a standard for malicious damages caused by guests or tenants.

Other types of landlord insurance offered by Endsleigh include:

Who underwrites the Endsleigh Landlord Insurance policies?

Endsleigh Insurance Services Limited underwrites Endsleigh Landlord Insurance. However, to offer certain landlord insurance policies, Endsleigh works with a panel of insurance providers like:

  • Zurich Insurance Limited 
  • BGP Limited
  • Ecclesiastical Insurance Office plc
  • Allianz Insurance Limited

Typically, information about who underwrites the policy you choose would be provided in your policy schedule.

How can I save money on my landlord cover?

To reduce the cost of your landlord insurance cover, you can apply the following recommendations:

  • Avoid unnecessary cover - For example, if you rented the property without any furnishings inside, you may not need contents insurance.
  • Opt for a higher excess as this may reduce the cost of your cover.
  • Ensure that your rebuild cost is calculated correctly to avoid over-insuring the property.
  • Paying your insurance premiums annually instead of monthly, can help you save some money on your cover.
  • If you have multiple properties, opting for a multi-property insurance or portfolio insurance can help you reduce costs and make it easier for you to manage your insurance policy.

How does the public review Endsleigh Landlord Insurance?

With 3,460 reviews, Endsleigh Insurance is rated 3.6 out of 5 on Trustpilot. On Review.io, the insurance company has 221 reviews and an average rating of 2.9 over 5.

Based on 620 reviews on Smart Money People, Endsleigh landlord insurance has a rating of 4.8 on a 5 star scale. In 2021, Endsleigh was the winner for the Best landlord insurance provider in the Insurance Choice Awards.

How can Endsleigh Landlord Insurance be contacted?

The team at Endsleigh landlord Insurance operates from 9am to 5pm every Monday to Friday, but on Saturdays and Sundays, they're unavailable. 

You can contact them through the following means:

Phone: 0333 234 1447

Contact Page: Click here to find contact details for a specific support issue.

Claim Centre: Click here to make a claim or talk about a claim.

Headquarters Location: Cheltenham, England

Compare Landlord Insurance providers

If you are in the market for landlord insurance for one property or after multi property landlord insurance, finding the best deal will involve comparing the available deals on the market. It is important to also compare come renewal time, as some suppliers offer special deals to attract new customers. Some providers on your list should include Aro landlord Insurance, Tesco, Legal and General Landlord cover and CIA Landlord insurance. Home insurance providers include Post office home insurance and John Lewis.

Niche Providers of Landlord Insurance Include:

MultiQuoteTime Ltd Does not recommend any insurance companies. It is important that the property owner satisfies themselves that they are getting the cover they need for their own personal circumstances – undervaluation may affect the settlement in the event of claims.

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