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Landlords Insurance is a unique policy specially
designed for the private or professional landlord. This flexible,
cost effective, policy helps to protect the property owner's
investment, by providing not only buildings and landlords
contents cover, but also cover for lost rent following a claim.
Additional benefits include cover for legal
expenses arising out of tenants' disputes and rent guarantee.
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BUILDINGS
INSURANCE
Cover for loss or damage to the structure
of the property along with fitted bathrooms, kitchens
etc. We include cover for malicious damage caused by
your tenants and we can also add extra accidental damage
cover.
In the event of a claim we offer
cover for the cost of providing your tenants with alternative
accommodation or loss of rent until such time as the
property is fully habitable again.
Property owner's liability
of at least £2,000,000 is included free of charge
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CONTENTS INSURANCE
If you offer furnished lets this cover
is for you. It provides protection for loss of or damage to
your furniture and contents (not personal possessions) within
the let property. Malicious damage by tenants cover is usually
available as is extra accidental damage cover.
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LEGAL EXPENSES
INSURANCE
Unfortunately situations can arise
where tenants may become a nuisance or you find yourself
in dispute. These disputes can leave you with no alternative
but to resort to legal action which can be both expensive
and time consuming.
Our Landlords Legal Expenses policy
helps protect you against unforeseen legal costs resulting
from an incident where the tenant fails to perform their
obligations set out in the tenancy agreement (relating
to the rightful occupation of the insured property).
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RENT GUARANTEE (INCLUDING LEGAL EXPENSES) INSURANCE
Similar to our Landlords Legal Expense cover,
this policy provides additional cover for rent arrears owed
by the tenant under the tenancy agreement where an event has
occurred and where appropriate the insured is issuing proceedings
for damages under this policy against the tenant
EMERGENCY REPAIR SERVICE
This policy provides you with cover in the
event of any of the following emergency incidents occurring:
- Plumbing problems related to leaking pipes, blocked drains
or leaking radiators
- Blockages in toilet waste pipes
- Sudden and unforeseen roofing problems such as leaks
or tiles blown off during a storm or bad weather
- Broken or damaged windows and doors presenting a security
risk to the property
- Gas or electricity failure within the property
- Central heating or boiler failure
- Hot water failure
- Vermin inside the property
This policy also provides the insured with
access to a 24 hour emergency help line where help can be
sought in the event of a domestic emergency. We can advise
the customer how to protect themselves and the property immediately.
Repairs will be organised and the insurers
will pay up to £500 including VAT for call out, labour
and parts and materials to carry out the emergency repairs
or, if at a similar expense, a permanent repair.
In the event that the property is uninhabitable
and remains so overnight, the insurers will at the customers
request, arrange and pay up to £100, including VAT,
in total for alternative overnight accommodation and/or transport
to such accommodation.
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HOW TO APPLY
Simply call our freephone number on
0800 092 4383. we'll discuss your needs and demands
and arrange the best quotes for you. You can pay your
premium by cash, cheque, card or monthly by direct debit.
By using Manor Insurance as your broker
you will receive Impartial – Friendly
– Professional Advice |
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