Landlord Premier Insurance

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

Asked for quote, they came back to say that they could cover my property but not cover it for flood as i was in a flood zone. They gave me a recommendation and i used them to get a quote and they could cover me. So thank you guys for your honesty and advice.
Robin from Cambridge