Landlord Insurance

Key Benefits

Landlords insurance - Specially negotiated competitive rates
Buildings insurance - Our cover includes a wide range of benefits
Landlords contents insurance - Cover available up to £10,000
Accidental damage - Optional cover available
Loss of rent insurance - We include this as standard
Employers liability insurance - Cover up to £10 million
Legal protection - Cover up to £50,000 included
Damage to landscaped gardens - Cover up to £25,000 included
Replacement locks - Cover up to £2,500 included

Testimonials

“Very helpful members of staff – I have been insured with the company for a number of years and will be staying put for a long time to come”

JE, Clevedon

“Fantastic! Helpful young gentleman I spoke to. Going to stay with Constructaquote.com for a long while – Very professional service”

PC, Bury St Edmunds

Landlord Insurance - Frequently Asked Questions

Why do I need landlord insurance?

Landlord insurance, also known as buy to let insurance is essential for landlords to protect their investment, their property portfolio. With the correct landlords buildings insurance policy, you can relax knowing that your house is protected against financial consequences.

Standard home cover is simply not suitable to protect the very different risk which a rental property represents. You need specialist buy to let cover and Constructaquote.com is here to help.

How do I get a policy?

Constructaquote.com’s online quote comparison facility means that you simply enter your details once and our panel of insurers will provide competitive landlord insurance quotes for you to select from.

Does home insurance differ from insurance for landlords?

Yes, a standard home insurance policy is different from specialist property to let insurance. Landlord insurance is specifically designed for property that is let to provide an additional income and is designed accordingly. Within your landlord insurance quote is cover for landlord contents and liability (these would not feature in a home insurance policy). It is essential that your liability to the tenants within your rental properties is covered.

Can I insure more than one property with a Constructaquote.com?

Yes, our landlords insurance quotes allow you to insure multiple buy to let properties thus saving you time and effort.

Can I purchase buy to let insurance online?

Using Constructaquote.com’s easy and intuitive quote process allows you to buy landlord insurance online in minutes.

Do I have to arrange landlords contents insurance if I let my properties on a part-furnished basis (e.g. with carpets, curtains/blinds and domestic appliances)?

No, such items are automatically included within the definition of 'buildings' in our landlords policies and there is no need to arrange separate landlords contents insurance in these circumstances.

How do I know the rebuilding cost of my let property?

You can get guidance on rebuilding costs at the BCIS website, but you should seek professional advice if unsure of the correct figure.

What is public liability insurance?

Public liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by any other person, other than employees, or loss of or damage to their property caused by a third party.

What is employers liability insurance?

Employers liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by any employee in the course of their employment.

How do I know if I need employers liability insurance?

Every business employing staff is required by law to take out Employers Liability cover. This includes sub-contractors, temporary workers, and trainees. Employers Liability cover is mandatory if you are a limited company although if you are a sole director with no employees then cover is not required, however it is strongly recommended.

Constructaquote.com is a trading title of Moorhouse Group Ltd which is authorised and regulated by the Financial Services Authority. The Financial Services Authority's Register can be accessed through http://www.fsa.gov.uk/register Reg No 308035.

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Products & Services

Liability Insurance – This insurance can provide you with employer’s liability and product liability insurance. We offer a highly competitive standard package with optional extras.
Public Liability Insurance – Public liability is essential insurance for many businesses, especially those working closely with the public. We offer cover of £1m, £2m, £5m, or more on request. Only pay for what you need.
Employers liability insurance - If you have employees working for you, you are legally obliged to have employers liability insurance. We provide you with £10m of employers liability so you can rest assured you’re fully covered.
Shop Insurance – Retail insurance is a package of policies covering employer’s liability, public liability, business interruption and building insurance. Retail insurance is important for any business with premises. We offer a range of policies from top underwriters.
Professional Indemnity Insurance – This type of policy protects your business against claims for loss or damage if you are found to have been negligent in your duty. This is particularly important if your company imparts professional advice. Our policies cover businesses for a range of circumstances and are very competitive.
Restaurant Insurance – Our restaurant insurance packages can be tailored to your specific business needs. We provide you with a range of restaurant insurance options, from liability and business interruption insurance, to money and glass cover.