Residential Landlord insurance
Cherish Residential Landlord provides essential cover for buy to let landlords to protect their valued investments.
- Accidental damage as standard
- Alternative accommodation for tenants
- Replacement of glass, locks and keys
- Legal expenses
- Up to 47% protected no claims discount
| Main policy features (see policy wording for full cover) | |
|---|---|
| Buildings insurance (optional) Includes garages, outbuildings, perimeter fencing and swimming pools | £1 million (option to increase) |
| Landlord's contents insurance Household goods such as furniture, carpets and fittings. | £75,000 (option to increase) |
| Accidental damage included as standard | Sum insured |
| New for old replacement | Sum insured |
| Malicious damage to buildings by tenants | Sum insured |
| Fire, storm and flood | Sum insured |
| Escape of water and oil - see Notable exclusions or limitations below | Sum insured |
| Subsidence, ground heave, landslip | Sum insured |
| Garden cover, landlord's contents in the open | £1,000 |
| Service pipes and cables including £5k trace and access | Sum insured |
| Theft or attempted theft | Sum insured |
| Emergency entry | Sum insured |
| Replacement locks | £1,000 |
| Loss of rental income following an insured event | 20% of buildings sum insured |
| Public liability | £5 million |
| Property owner's liability | £5 million |
| Liability to domestic staff | £10 million |
| 24hr home emergency assistance and helpline | £1,500 per call out |
| Legal expenses and tenancy dispute cover including helpline and Landlord's Legal Document Service | £50,000 |
| Alternative accommodation for your tenants | 20% of buildings sum insured |
| Glass and sanitaryware | Sum insured |
| Entertainment equipment | Sum insured |
| Standard excess per claim (exceptions apply) | £100 |
| Up to 10yrs protected No Claims Discount (separate for buildings and contents) | Up to 47% off |
Individual limits, exclusions, excesses and conditions apply. See policy wording for full details.
Notable exclusions or limitations
Cherish Residential Landlord insurance does not cover money, personal effects or valuables.
Escape of water and oil: adequate provisions must be made if the property is to be unoccupied for more than seven days (see policy wording for details).
More acceptance in high risk areas
We utilise advanced geo-mapping techniques which means that postcode sectors normally declined because of subsidence or flood risk can be underwritten on a property-by-property basis.
Get a Residential Landlord insurance quote today!
With such generous cover and wider acceptance for claims history, high risk areas and property type, it's good to know that you can always turn to Cherish. So get a quote for buy to let insurance today.
