BUILDINGS INSURANCE

This policy carries a £100 excess on all claims and £1,000 excess on claims for damage by subsidence, landslip or heave.

Standard risks covered for buildings and contents insurance plus damage to landlord's property as a result of:

• Theft or attempted theft following violent and forcible entry.
• Escape of water from tanks and pipes.
• Storms and floods.
• Impact, collision, aircraft.
• Escape of oil and smoke damage.
• Riot, violent disorder or civil commotion.
• Subsidence, landslip or heave.
• Falling trees, telegraph poles & lamp posts.
• Fire, lightning, explosion or earthquake.
• Falling radio or TV aerials*
  

* Only applicable to buildings insurance cover

ADDITIONAL BENEFITS FOR LANDLORDS

• £1 million property owner's liability. Accidental breakage of fixed glass, solar panels, sanitary fixtures and ceramic hobs.
• The cost of repairing accidental damage to oil pipes, underground water supply pipes, sewers, drains, underground gas pipes and electricity cables.
• Increased meter water charges resulting from escaped water.
• Loss of rent as a result of an insured peril, and/or additional costs of alternative accommodation.
• Expenses incurred following damage to the buildings by any of the perils covered.

CONTENTS INSURANCE

The policy provides comprehensive contents insurance cover for occupied properties and carries a £50.00 excess.

ADDITIONAL BENEFITS

• Accidental breakage of fixed glass, solar panels, sanitary fixtures and ceramic hobs.
• Accidental damage to TV, video recorders and computers.
• The cost of repairing accidental damage to oil pipes, underground water supply pipes, sewers, drains, underground gas pipes and electricity cables.
• Increased meter water charges resulting from escaped water.
• Loss of rent and additional costs of alternative accommodation.
• Fatal injury to the insured occurring at the premises.
• Legal liability to the public of £1 million.
• Theft or attempted theft following violent and forcible entry.

AVAILABILITY

This policy is available to all landlords letting their property with written tenancy agreements. Policies are underwritten by leading insurers.