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Landlord Insurance

If you've just bought a property, then protect your investment by securing landlord insurance. Also known as buy to let insurance, you should consider getting one even when you are still in the process of looking for prospective properties. Why? Landlord insurance can help prevent or lessen your losses when problems arise.

Landlord insurance for some properties may be too expensive. It is thus important to have a local and structural survey conducted on the property before you purchase any. This can aid you in your search for the right insurance policies for the property and ensures that you don't end up with inflated insurance premiums that can negatively affect your profits in the long run.

Landlord Insurance – Responsible Real Estate Owning

Landlord insurance provides security on your real estate investments and helps ensure that you get a return on them instead of losses and problems. Indeed, having household insurance is not enough as it does not always cover buildings and contents while they are being rented out.

Different insurance companies offer different levels of coverage. In general, however, landlord insurance offers the following basic options.

Home Insurance. This option covers damage to the house, pool and garage due to the following:

  • rain or flood
  • storm
  • explosion or fire
  • theft or attempted theft
  • mean damage
  • a falling tree or a crash
  • escape of liquid
  • earthquakes
  • lightning
  • civil disorders or riots

Contents Insurance. This option covers the contents of the house, such as the following:

  • household goods
  • furniture
  • furnishings
  • appliances

Following is a list other landlord insurance options that you may wish to avail of.

Emergency Assistance. This covers all general property emergencies. Examples are failing cooking facilities, failing electricity supplies, plumbing problems and others.

Legal Expenses Insurance. This covers professional service fees when you get into disputes. This can also cover the costs awarded against you.

Rent Guarantee Insurance. This guarantees that you receive the rent on time regardless of your tenant's personal situation or ability to pay. This type of coverage is especially beneficial to landlords who are paying mortgage on the property and who get their payments from the rentals.

Landlord's Loss of Rent. This protects you from the reduction or loss of rent due to property damage or maintenance. This insurance coverage entitles you to collect premiums from the tenants as part of the annual charges. This, however, should be indicated in the contract with the tenants.

If you have not yet insured your rental property, or if you are about to purchase a new one, then learn more about landlord insurance policies and how they can help you. Get more information from the following sites:

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