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Insurance

We are an agent of LetsXL, who are specialist providers of insurance products for the letting market and as such have developed comprehensive cover for you as a tenant, landlord or managing agent.

Tenants household insurance - click here
Landlords insurance - click here

Tenants Household Insurance

Comprehensive insurance cover for household contents, providing protection for your own and your landlord's property.

As well as standard cover the policy even helps you protect your deposit with insurance against damage to your landlord's property.

You are covered for
Loss or damage to the contents of your home caused by:

  • Fire, lightning, explosion
  • Impact by aircraft, vehicles, trains, animals, falling trees
  • Storm, flood
  • Escape of water from tanks or pipes
  • Theft or attempted theft
  • Malicious Damage, riot, etc.
  • Subsidence, landslide etc.
  • And much more

Including the following benefits

  • Fire, lightning, explosion
  • New for old cover on your contents
  • Your liability for damage to your landlord's property - up to £2,500
  • Accidental damage to your hi-fi, TV, audio, video equipment, and personal computers - £2,000 in any one year
  • Replacement locks following theft of keys - £500
  • Your personal liability - £1,000,000
  • Cost of alternative Accommodation - 30% of sum insured
  • Contents in your garden - £500
  • Frozen Food - £300
  • Money £250

Excess
We require you to pay the first £100 of any claim.

Who is covered?
Your insurance covers you, your partner and all members of your/their family permanently living in your home. Individuals sharing a property will need to take out separate policies.

Your landlord's property
This policy also protects you if you accidentally damage your landlord's contents, fixtures and fittings for which you are responsible as a condition of your tenancy agreement - thereby helping to protect the deposit you have placed. The limit of this cover is £2,500 regardless of the band of cover you choose.

If you have any queries please call 01223 361612 (normal office hours) or contact your managing agent.

 

Landlords Insurance 

Comprehensive buildings and contents cover for Landlords and Managing Agents.

You are covered for
Loss or damage to the buildings and/or contants of your property caused by:

  • Fire, lightning, explosion
  • Impact by aircraft, vehicles, trains, animals, falling trees
  • Storm, flood
  • Escape of water from tanks or pipes
  • Theft or attempted theft
  • Malicious Damage, riot, etc.
  • Subsidence, landslide etc.
  • And much more

Including the following benefits:

Buildings

  • Accidental damage, including breakage of glass and bathroom fittings
  • Full cover when unoccupied between lets - conditions apply after 45 days
  • Full cost of reinstatement
  • Index linking
  • Loss of rental income or alternative Accommodation costs up to 20% of the building's sum insured
  • Liability to domestic employees
  • Liability as property owner - £5,000,000

Contents

  • Furniture, furnishings, carpets, appliances, etc.
  • Option to include accidental damage by tenants
  • Full cover when unoccupied between lets - conditions apply after 45 days
  • Loss of rental income or alternative Accommodation costs up to 30% of the content's sum insured
  • New for old
  • Lock replacement
  • Metered water
  • Liability to domestic employees
  • Liability to the public and your tenants.

For full details of the cover we contact LetsXL or your Managing Agent. Policy exclusions apply. Monthly payments are possible.

If you have any queries please call 01223 361612 (normal office hours) or contact your managing agent.