Landlord's Choice Value Insurance

Buildings and Landlord's contents sections - covering fire, explosion, lightning, earthquake, riot, malicious damage, collision by vehicles, aircraft or animals, storm or flood, theft or attempted theft, subsidence, landslip or heave, water or oil leaking from any fixed appliance, tank or pipe, falling trees, breakage of glass and sanitary wear.

Buildings section (see summary of cover for definitions)

  • Accidental damage option
  • Loss of rent - 20% of building sum insured
  • Professional, demolition or local authority fees
  • Legal liability as owner of the building - £2,000,000
  • Defective Premises Act - £2,000,000
  • Automatic cover for additional property - £300,000 for a max of 7 days
Standard excess depending upon type of tenancy
  • £100 - professional, working and retired persons
  • £250 - government benefits or holiday homes/lets
  • £500 - DSS referrals
  • £1,000 - in total for subsidence claims
  • £2,500 - in total for theft or malicious damage by tenant or others lawfully on the premises
  • Higher excesses may apply in certain circumstances

Landlord's business contents (see summary of cover for definitions)

  • Accidental damage option
  • Legal liability as owner of Landlord's business contents option (not required if buildings section operative) - £2,0000,000
Standard excess depending upon type of tenancy
  • £250 - Professional, working and retired persons
  • £250 - Government benefits or holiday homes/lets
  • £500 - DSS referrals
  • £2,500 in total for theft or malicious Damage by tenant or others lawfully on the premises
  • Higher excesses may apply in certain circumstances

General conditions - see summary of cover for details (all of the following also apply in respect of the Premier Policy)

  • Unoccupied Conditions - conditions apply after 7 days unoccupancy. After 60 days unoccupancy, cover restricted to fire, lightning, aircraft, explosion, earthquake, subsidence or ground heave and falling trees
  • Terrorism exclusions
  • Cooking restrictions
  • Gas and electrical appliances inspection
  • Security protections may apply

Premium discount

Because the policy cover is more restrictive than the Landlord's Choice Premier policy, the premium is discounted accordingly

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