The best value Residential Landlord Insurance
Residential Landlord Insurance is vital for any landlord who is looking to let a property. Performance Direct are specialist in Residential Landlord Insurance and we can offer you a tailor-made policy.
It’s important to remember that standard home insurance doesn’t cover rented properties and specialist landlord insurance is required. That’s where we come in, we have years of experience in the industry and specialise in landlord insurance. For your peace of mind, we work alongside the best underwriters in the country, to make sure you receive the best policy at a competitive price.
Click the 'Get a Quote' button above for a quote within minutes or, if you would prefer, please call one of our Landlord Insurance specialists to discuss the level of coverage you need.
Call today on: 01708 564 147.
We provide insurance services to UK residents only.
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Benefits of our Insurance Policies
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Flexible payment options
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Dedicated account handler
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UK call centre
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Access to Lloyd's of London markets
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Wide policy coverage
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Claim management service
Why choose Performance Direct?
- The peace of mind of a Chartered Broker. Everything we do is backed by a team of skilled, experienced insurance professionals. We’re a Chartered Insurance Broker, a family company with a proud 40-year history, so we’re bound by a personal and professional code to deliver the best service for our clients.
- We’re independent. Because we’re not tied to any brand or product, we can search the insurance market to find you the best policies. Whenever you ask for a new or a renewal quote, we search a panel of leading UK underwriters to ensure you get the lowest price and the best cover.
- We’re on your side. If you need to make a claim, because we’re completely independent, we work with you to sort everything out and to make sure your claim is paid. Whether you need to sort out a hire car, arrange a new windscreen or need to make a liability claim, we are here to help assist you when you need us.
- Here for you. With a dedicated account managed team, we are here to support our clients every step of the way.
Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.
Residential Landlord Insurance FAQs
What is residential landlord insurance?
Residential landlord insurance protects properties that are rented to tenants as their main residence. The policy is designed for landlords who let houses or flats under standard residential tenancy agreements. Insurance generally focuses on protecting the building structure and landlord owned fixtures within the property. The scope of cover depends on the insurer selected and the policy wording.
How does residential landlord insurance differ from homeowner insurance?
Residential landlord insurance applies when the property is occupied by tenants rather than the owner. Because the building is being rented out, insurers assess factors such as tenancy type, property management arrangements and rental occupancy. Homeowner policies are usually intended for properties where the owner lives in the property themselves.
What types of properties can be covered under residential landlord insurance?
Residential landlord insurance can apply to houses, flats or other residential buildings that are rented to tenants. The property may be let on a long term basis under a tenancy agreement. Acceptance depends on the insurer’s underwriting criteria and the characteristics of the property.
What does residential landlord insurance usually cover?
Policies generally protect the physical structure of the rental property against insured risks such as fire, storm damage and flooding. Fixtures and fittings owned by the landlord may also be included. The level of protection depends on the insurer selected and the policy wording.
Are landlord contents included in residential landlord insurance?
Landlord owned items provided within the rental property, such as furniture or appliances, may be insured if declared. These items are different from belongings owned by the tenant. Coverage limits and eligibility depend on the insurer and the policy terms.
Does residential landlord insurance include property owners’ liability?
Many policies include property owners’ liability protection relating to injury or damage occurring at the rental property. This may apply if a tenant or visitor is injured due to a property related issue. The availability and limits of liability protection depend on the insurer and policy wording.
Can residential landlord insurance apply to flats within a building?
Residential landlord insurance may apply to individual flats that are rented to tenants. Where the property forms part of a larger building, the structure of the building insurance may depend on the freeholder or management arrangements. Insurers assess the property details when arranging cover.
Does residential landlord insurance apply during tenant changes?
Rental properties may occasionally be empty between tenancies. Insurers often allow a limited vacancy period while a new tenant is arranged. If the property remains empty for longer, additional conditions or alternative insurance arrangements may be required.
Can first time landlords arrange residential landlord insurance?
Individuals letting a property for the first time may arrange residential landlord insurance before tenants move in. Insurers typically review the property type, tenancy details and landlord circumstances when assessing eligibility. Acceptance depends on underwriting criteria.
What type of landlord might choose to arrange residential landlord insurance through Performance Direct?
Landlords letting houses or flats to tenants as their main residence often require insurance designed specifically for residential rental use. Performance Direct arranges cover based on factors such as tenancy arrangements, property characteristics and landlord ownership structure. The terms offered depend on insurer underwriting criteria.
