Home Insurance.

    Landlord endorsement

    The policy booklet definition of ‘Buildings’ does not apply. Instead, ‘Buildings’ is defined as ‘The structure of your home including its fixtures, fittings and services, garden walls, gates, fences, hedges, paths, drives, patios, tennis courts, wind turbines, fixed solar panels and permanent swimming pools, saunas, hot tubs all within the grounds of your home and for which you are legally responsible. Carpets and other floor coverings, curtains/blinds and domestic white goods up to a maximum of £5,000 are also included'.

    The policy booklet definition of ‘Unoccupied’ does not apply. Instead, ‘Unoccupied’ is defined as ‘Not lived in by your tenant for more than 14 days in a row. By lived in, we mean staying overnight for at least 5 nights in a row every month or 2 nights in a row every week, and the home stated in your policy schedule contains enough furniture for normal living purposes’.

    Malicious damage or vandalism - In addition to the ‘What we don’t cover’ and ‘General Exclusions’ sections in your policy booklet, you are not covered for the following:

    • Loss or damage caused by a tenant, or any person permanently living with them, or by any guest invited into the home stated on your policy schedule by you, your tenant or their family.

    Theft or attempted Theft - In addition to the ‘What we don’t cover’ and ‘General Exclusions’ sections in your policy booklet, you are not covered for the following:

    • Loss or damage caused by a tenant, or any person permanently living with them, or by any guest invited into the home stated on your policy schedule by you, your tenant or their family.
    • Loss or damage unless violence and force are used to break into or out of the home stated on your policy schedule.

    Alternative Accommodation – The wording relating to ‘Alternative Accommodation' in the 'What we cover’ section of your policy booklet does not apply and is replaced with:

    ‘If the home stated in your policy schedule is made uninhabitable by any cause covered under Buildings cover, we will pay for:

    • Rent you should have received but have lost, unless this is covered by any other policy, OR;
    • The reasonable costs of similar temporary alternative accommodation for your tenant.

    Whilst the home stated in your policy schedule cannot be lived in.

    We will pay up to 20% of the Buildings sum insured shown on your policy schedule for any one event.

    The following conditions have been added to your policy by this endorsement:
    Untenanted Properties:
    Whenever the home stated in your policy schedule is untenanted for more than 14 days in a row you must:

    • Inspect the home stated in your policy schedule internally at least once a fortnight.
    • Turn off the water, gas and electricity services at the mains and drain the water system. With our agreement, electricity services can be turned on, if the home stated in your policy schedule has a mains powered alarm system.
    • Put all locks, bolts, security and protective devices at the home stated in your policy schedule into full and effective operation.

    Health & Safety Legislation:

    All requirements under any Health & Safety Legislation for let properties must be followed and fully complied with.

    If you do not comply with the requirements listed above you will break a condition of your policy. This may invalidate your claim.