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Are you a landlord who rents out residential properties? Or perhaps you rent out offices, shops or properties for commercial use. Whatever the size of your portfolio, we can help you protect your property and your rental income – plus lots more.
Halifax Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited. When getting a quote online you will be taken to Gallagher’s online site with a new privacy and cookie policy.
Many people assume that home insurance policies provide adequate protection for landlords, but this isn’t always the case. Being a landlord involves a lot of responsibility and you’ll often need cover that’s not included in a standard homeowner’s policy. We’ve put together The ultimate checklist for new landlords.
Imagine how you’d feel if your property got damaged and your tenants had to move out. You’d lose rental income but you’d still be liable to pay the mortgage, if you have one. This is why some mortgage companies insist that you have a dedicated landlord insurance policy in place.
Choose the right cover
To provide this service we work with Arthur J. Gallagher Insurance Brokers Limited, one of the UK’s largest insurance brokers.
Types of cover |
What's covered |
---|---|
Types of coverBuildings |
What's coveredIf your property is damaged and has to be repaired or rebuilt due to an insured event, such as vandalism or storms. |
Types of coverLandlord's content |
What's coveredHousehold items that you have provided for your tenants, such as soft furnishings or appliances, if they are damaged or destroyed by an insured event. |
Types of coverProperty owner’s liability |
What's coveredYou’re protected if a person is injured or if there’s damage to their property as a result of your negligence. |
Types of coverLoss of rent |
What's coveredYour cash flow is protected if, after an insured event such as flood or fire, your tenants stop paying rent or have to move out. If your tenants do have to move out, the costs of arranging alternative accommodation on their behalf is also covered. |
Types of coverAccidental damage |
What's coveredAccidental damage to the building and its fixtures and fittings. For example, if you or your tenants accidentally smash a window or drop something and crack a sink. |
Types of coverSubsidence, landslip and heave |
What's coveredDamage to your property as a result of a movement in the ground supporting your property. |
Types of coverEmployer’s liability |
What's coveredYou’re protected if an employee is injured or dies as a result of your negligence. |
Types of coverLegal expenses |
What's coveredYour legal expenses in proceedings, such as contract disputes, debt recovery and evicting squatters. |
Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.