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Guide to Swinton Landlord Insurance

Owning properties without proper insurance is a risky thing to do. Properties aren't just properties; they are your investment, especially in real estate. If you are a landlord in the UK or Ireland looking for quality building insurance, then you should choose Swinton Insurance.

Swinton Insurance has been providing quality landlord insurance for 15 years, and their buy-to-let insurance policy has a 5-star rating on Trustpilot. They offer different landlord insurance policies that include buy-to-let insurance, landlords’ content insurance, and landlords' legal protection. They also provide insurance for your cars, van, home, and pets.

Propertt Types Covered by Swinton Landlord Insurance

Swinton not only provides landlord insurance for standard homes, but also insurance is available for non-standard type home or buy to let properties as details below.

  • Unoccupied properties : This is a specific cover available from any residence or commercial property that will be left vacant for an extended period of time. Standard home or landlord polices will not cover a property if they are left unattended a set period that can be as little as 30 days!
  • Flood risk insurance : The number of UK properties that are in areas that are at risk of flooding is increasing, if you have a property that is in a high risk area you need to have landlord insurance cover that will cover damage by flooding
  • Timber frame properties:  These are quick and easy to erect, but come with additional risks. If your property is timbered framed, you will need to take out a specific home or landlord insurance policy to cover the additional risks that this construction material poses.

Why choose Swinton Landlord Insurance

The Swinton insurance services team makes finding landlord insurance easy for you through customer service features such as:

  • Flexible options as to how you will pay, including monthly payments for those with multiple properties.
  • An experienced team -  The insurance specialists at Swinton are happy to answer all your questions on Live Chat or over the phone
  • Separate policies - If you’re not interested in a combined policy, you can choose to take out separate Buildings Insurance and Contents Insurance as two separate policies.

Buy-To-Let Insurance

As a landlord, your let property is your investment, and you are exposing it to risks without buy-to-let insurance. It doesn't matter if you own a single building or multiple properties. The buy-to-let insurance protects your property from damage caused by tenants, such as burnt carpets, broken doors, and broken windows.

Aside from protection against accidental damage, this insurance will also cover your lost rental income if your property is uninhabitable due to major repairs, fire, or flood. Unlike other building insurance, buy-to-let insurance provides you with additional coverage options to cover the additional risks associated with letting out a property. Most providers of landlord property insurance will let you pick and choose these additional extras from the list below:

Landlord insurance provided by Swinton's is available for most property types and can be tailored to your specify needs: Options include: 

  • Alternative Accommodation insurance: The cost of rehousing your tenants in cases of major repairs, fire or flood
  • Property Owner's Liability: Compensation if a tenant or their visitors get injured on your property.
  • Key cover: to help you replace keys and locks in your house in case of theft or loss.
  • Rental Protection Insurance/Loss of Rent:  compensation if your tenant building is rendered uninhabitable by damage caused by assured event. For example, damage caused by a gas or water leak.
  • Property Owner's Liability: Cover for accidents that can be attributed to the property upkeep or lack of. These claims can be high, so choose a level of cover that is suitable. 
  • Theft or damage caused by the Tenants: Landlord insurance cover for accidentally or deliberately damage to the property contents or fixture and fittings. 
  • Home Emergency Cover: As a landlord, you are legally responsible for fixing any emergencies as quickly as possible. Taking out emergency cover will provide this emergency cover, but after making good the cause of the emergency, make sure the insurance company are okay with the proposed after repair costs.
  • Multiple properties under one policy: Having a multi property landlord Insurance will save you admin time and should work out cheaper.

Cover Limitations may apply.

  • They may refuse to provide cover if you have an ongoing claim
  • Will only provide cover if you have a minimum of 6-month tenancy in place. 
  • Key cover: to help you replace keys and locks in your house in case of theft or loss.

Landlord Legal Protection

This type of cover will protect you, the landlord, if a dispute arises that needs legal involvement in order to resolve. Example disputes with tenants over issues such as rent arrears, evictions, and even property damage. This type of insurance provides you with legal protection with legal costs and fees of about £75,000 per claim, protecting you as a landlord over such disputes. (reference)

Landlord Legal Protection covers legal expenses, including court costs, lawyer fees, and other expenses incurred while trying to defend yourself from a claim or lawsuit filed by your tenant. With this type of cover, you'll have direct access to a team of legal specialists with a 24-hour legal helpline.

Landlords’ Content Insurance

Most rental properties are well-furnished because some landlords consider them a good investment. If your property is well-furnished, this insurance is for you. Landlords’ content insurance covers only your belongings, like furniture, artwork, and appliances, not your tenants.

With this insurance, you’ll get repairs on damaged contents such as a broken fridge or a burned sofa. You are also entitled to a new TV or other belongings in case of theft on your property. Just think of Landlords’ Content Insurance as a replacement plan for your belongings.

Cost of Landlord Insurance

The cost of any landlord insurance depends on different factors. The type of properties you own, their location, the value of their contents, the number of tenants, and your claim history are factors that can determine the cost of landlord insurance. However, compare the average costs of different insurance providers to find a policy tailored to your needs and budget.

In general, the cost of landlord insurance will be guided by the following factors:

  • Location or post code, if the property has a postcode that is linked to a high crime rate, expect to pay more than a similar property in an urban setting.
  • Unoccupied or Lived in : If the property is left unoccupied, you will need to consider short term unoccupied house insurance, which will be more expensive as risk to the insurer will be increased.
  • Level of Cover : Like any insurance the more cover and the lower the excess the higher the policy premium
  • Claims Frequency : If you are making regular insurance claims, this will be flagged as an additional risk factor and again expect o pay more than a landlord with no or fewer claims.
  • Type of tenancy : If you will be letting out to students you will need addition risk cover and provider's offer student landlord insurance which is aimed at those that let to students. Letting out to students or DSS will attract a higher premium than letting to professionals or married couples.
  • Policy Excess : Most providers will reduce the premium if you are happy to accept taking more responsibility for cost if the event of a claim by agreeing to a higher voluntary excess. Best to set this aside in a high interest earning account.

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 insurance marketplace. It is important to also compare at each renewal date, as some suppliers offer special deals to attract new customers. Some providers on your list should include Legal and General landlord insurance, Aro, Endsleigh landlord insurance, and CIA Landlord insurance. Home insurance providers include Post office home insurance and John Lewis.

Swinton Landlord Insurance provides an excellent cover to protect your buy to let property or commercial buildings against potential risks, including damage, litigation, and loss of contents. The insurance assures you financial assistance when managing claims and repairing your property. If you want to compare landlord insuranceselect Get Quotes below.

Swinton's Landlord Insurance FAQs

Does Swinton's landlord's insurance policy cover the tenant's property?

Tenant's local belongings, like clothes, etc., are not covered general landlord insurance policy.

Is there any limit to the buildings cover provided by Swinton's?

Most building insurance polices will be limited to the agreed rebuild cost, as such it is important that the amount is correct. Too high and you will be overpaying, and if too low you will have to make up any difference, which could be very costly. We are happy to advise you that a fresh approach has been taken by John lewis landlord insurance, who offer buildings insurance with unlimited buildings cover (conditions will apply).    

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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