Landlord's Choice Premier

The cover as detailed in the Landlord's Choice Value policy plus the following:

Buildings Section (see summary of cover for definitions)

• £5,000 Landlord's business contents included free
• Loss of up to 3 months rent following murder, suicide or notifiable disease - max 5% of the building sum insured
• Lock replacement following theft of their keys - max £250
• Loss of oil - max £5,000
• Loss of metered water - max £1,000
• Damage to landscaped gardens by the emergency services - max £5,000
• Water damage tracing costs - max £10,000
• Prevention of access resulting in loss of rent - max 20% of sum insured
• Public utilities resulting in loss of rent - max 20% of sum insured
• Contract works - max £15,000
• Costs of re-letting following a claim - max £500
• Legal liability for accidents to domestic employees - £10,000,000

Landlord's business contents (£5,000 included with buildings section)

• Loss of heating oil - £5,000
• Leaseholders cover where you are not responsible for insuring the building but have installed and are responsible for fixtures and fitting, greenhouses, sheds etc - £10,000

Property owners legal expenses

• Property disputes
• Repair & renovation disputes
• Health & safety prosecutions
• Tax protection
• Limit of £50,000 per claim and £500,000 in the aggregate

Options available

• Increased Public Liability indemnity limit of £5,000,000 available at additional cost as owners of the buildings or as owners of the landlord's business contents.
• Loss of rent or alternative accommodation - max £25,000 (not required if buildings section operative)
• Premium discounts available for increased excess - 5% for additional £250 and 10% for additional £500
• Landlord's rental protection optional extension
• Option to buy back cover (not including theft or malicious damage) after 60 days of unoccupancy for a maximum of a further 90 day period

Portfolio business

10 or more properties separate portfolio rates available