Landlord insurance

What’s covered

• Damage to your property and belongings
  Caused by events like fire, theft, subsidence and flooding – this includes contents in garages and outbuildings within property boundaries. Coverage limits and conditions apply, with reduced limits for theft-related claims
• Cover for alternative accommodation
  We'll cover you for alternative accommodation until your home’s fit to live in, up to £100,000 for buildings insurance, and £25,000 for contents insurance
• Replacement locks cover
  If the keys to your home are lost or stolen, we'll pay to replace the locks or lock mechanisms ^{Footnote [3]}
• Protection against injuries or property damage
  If you employ someone in your house in a way that our policy covers (like a cleaner) and they get hurt doing their work, we’ll help pay any costs
• Cover for matching items
  We'll cover the cost of replacing undamaged items in a set if we can't provide a matching replacement, up to the policy limits. Conditions apply

What’s not covered

• Wet rot, dry rot or frost damage
• Damage that’s happened slowly over time
• Fences, gates or hedges damaged in a storm
• Claims because something’s faulty or built badly to start with

Some covers typically included in a commercial landlord insurance policy are not provided under our product. These include (but are not limited to):

• Manufacture and harvest of drugs by a tenant
• Malicious damage or theft caused by the tenant