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Landlord Insurance FAQ


If have a leak in one of my rented properties, will my landlord's insurance policy pay for it?

You have to look at any buy to let insurance policy in a logical fashion. Should a policy pay out for damage occurring from an event or for the actual event itself which has been halted before any real damage occurred? In most circumstances a policy will not stretch to paying for someone to rewire your house, fit a new plug or change a boiler part. Such cover is there for when an event happens and damage occurs or an item is stolen, not for paying for repairs where there is no damage. However you make a valid point in questioning if I have a leak in one of my rented properties, will my landlord's insurance policy pay for it?

The aspect which may end up being paid for is the clear up or repair of walls, ceilings and floors. Or the replacement of a damaged carpet, rug, floor boards or any wiring damaged because of the flood and a fire ensured from an electrical fault. Most policies will not cover for a plumber being called out to fix a leak. A leak is not determined as a burst water pipe. The burst water pipe, the actual pipe that needed replacing may be covered. Whether this is worth a claim due to the excess payment is a problem for you yourself to consider. In most cases people who are insured do not make claims when the excess is higher than the cost of repairing the damaged pipe themselves.

If have a leak in one of my rented properties, will my landlord's insurance policy pay for it up front?

You should call your claims enquiry line to find out their view on the developing situation and whether it would be worth your while following up or pursuing a claim. Any nominal repairs to an existing problem on a property tend not to be included. Call to ask us if you have a leak in one of my rented properties, will my landlord's insurance policy pay for it? And we'll advise to which extent of damage a claim for a leak can cover. If the pipe was leaking slowly for six months and caused extensive damage to a wall, causing mould to appear, enacting the alternative accommodation clause because it's unsafe for a tenant to remain. Then this is a reason to claim, but for a leak pipe which has been fixed and cause no damage it's highly unlikely that a claim is required or covered.

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Landlords Insurance protects the owner of the property for unforeseen events that may occur whilst the property is rented out.  It is created for a landlord’s rental property, both residential and commercial. At its most simple, landlords insurance provides protection for landlords against the costs of property repairs or reconstruction as a result of disasters such, fire flood or subsidence. The basic Landlord Insurance policy provides valuable disaster insurance, should these events happen  to a property, and is often a necessity  for obtaining a mortgage or other finance secured on the property. As a low level  level of protection, Landlords Insurance should pay out for the total rebuild cost of the  landlords property when it has been damaged.

Landlords insurance also provide landlords with liability cover should a third party suffer an injury at the property and hold the landlord responsible for injuries or damages that have happened. It is very important to find the right Landlord Insurance so as the landlord peace of mind to know that all possibilities are covered and particularly that the insurance will pay for the loss of rent whilst the repairs are being done. By comparing the whole market it is possible to see which insurer is offering the best deal and also see which has the best additional features.

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