What we cover
We understand the importance of protecting your investment. Hiscox landlords insurance is designed to protect the buildings you let and you as a landlord.
Our landlords insurance products
Hiscox landlords insurance can be tailored to suit your needs, whether you let one property or several. Get up to a maximum 20% discount applied for multiple properties and choose from various optional add-ons, including contents insurance, employer’s liability, legal protection or emergency call-out cover, so you can be confident you’re adequately covered.
Please read the relevant policy terms and conditions carefully before buying any insurance policy. All policy-specific clauses and terms and conditions will be applied at the quote stage and will be included within your customer documentation. It is important to review these documents to understand your coverage details, limitations, and exclusions. If you need any advice before buying any insurance policy, please contact an independent financial advisor or insurance adviser.
Landlords buildings insurance
Landlords buildings insurance helps to protects you when your let properties (including fixtures and fittings, such as bathroom suites and fitted kitchen units) are damaged. The coverage includes the cost of both repair and rebuild following damage that occurs to any insured properties during the period of insurance.
Landlords liability insurance
Also known as property owner’s liability insurance, this covers compensation you may need to pay if someone is accidentally injured or their property is damaged due to your ownership of, or legal responsibility for, the insured property.
Landlords contents insurance
Landlords contents insurance protects you when your contents (including furniture and soft furnishings, white goods, and audio and visual equipment) are lost, damaged or stolen.
Landlords emergency call-out
Emergency call-out cover for landlords provides 24/7 assistance for emergencies such as boiler breakdowns or broken windows. A paid-for, approved contractor will help to prevent any further damage, secure your property, and address any immediate risks to health.
Landlords legal protection
Landlords legal protection can cover you for legal costs and expenses, including solicitors’ and barristers’ fees, court costs, opponents’ costs, storage costs and hotel expenses should you experience legal problems relating to letting your property. It also covers the costs of appealing or defending an appeal.
Landlords loss of rent insurance
If your property becomes uninhabitable, loss of rent insurance can cover either the lost rental income or the cost of alternative accommodation for your tenants.
Still have questions?
You can find more information on the policies by visiting our landlords insurance page or by contacting us directly. Our UK experts can guide you through the insurance purchase process and help identify your unique landlords needs.