gold landlords household insurance

Introduction

Household Insurance for Landlords letting their residential property has always been difficult to arrange and cover is often restricted and premium rates higher than normal.

Letsure Gold Landlords Household Insurance provides the widest cover available at a competitive premium. Cover is available for either Buildings or Contents or both sections of cover can be included on one policy document. Our policies are acceptable to all leading Building Societies.

A reduced contents cover is also available to Landlords who let their property on a part furnished or unfurnished basis.

Buildings cover

The main features of cover are:

• The risks of loss or damage by Fire, Explosion, Lightning, Earthquake, Riot, Malicious Damage, Storm, Flood, Burst Pipes, Theft, Impact and Subsidence are covered.
  
• Theft and Malicious Damage by Tenant.
  
• Damage by falling Radio, TV or Satellite Aerials or Masts.
  
• Accidental Damage to Under-ground Services.
  
• Accidental breakage of fixed glass and sanitary fixtures.
  
• Emergency Access to cover Accidental Damage to the Building following access to attend a Medical Emergency.
  
• Property Owners Liability.
  
• Loss of Rent/Cost of alternative accommodation up to 20 percent of the selected sum insured following fire or other insured peril.
  
• Full cover whilst the property is unoccupied provided policy conditions are met.

Accidental Damage Cover

As an optional extension, the Buildings and/or Contents sections may include Accidental Damage. This extension provides cover for damage arising from an unexpected or unintentional cause.

Contents cover

The main features of cover are:

• Sums insured of £10,000, £20,000, £30,000 or £40,000 may be chosen - whichever is adequate to cover the replacement cost of your household contents.
  
• Alternatively, for Landlords letting their property on a part furnished or unfurnished basis a reduced sum insured of £5,000 may apply. In these circumstances the contents must comprise of carpets, curtains and interior sun blinds, light fittings and domestic kitchen appliances only.
  
• The risks of loss or damage by Fire, Explosion, Lightning, Earthquake, Riot, Malicious Damage, Storm, Flood, Burst Pipes, Theft, Impact and Subsidence are covered.
  
• Theft and Malicious Damage by Tenants.
  
• Accidental Damage to TV, Radio and Audio equipment.
  
• Loss of Keys
  
• Public Liability
  
• Loss of Rent/Cost of alternative accommodation up to 20 percent of the sum insured following Fire or other insured peril.
  
• Full Cover whilst the property is unoccupied.

Premium payment

The premium can be paid in full by cheque at commencement of cover or monthly by direct debit. If you wish to pay this premium monthly by direct debit an interest rate of 5% (9.1% APR) applies.

How do I Arrange Cover?

Contact West Country Property Services - we will make all the arrangements for you to establish the policy and remind you when renewal is due.

Letsure Ltd is a Member of the General Insurance Standards council and The British Insurance Brokers Association. Gold Household Insurance policies are underwritten by Norwich Union Insurance Limited