Landlords

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As a residential landlord you will want to protect your assets and your rental income against risks that may arise when renting out your property:

  • Damage to your property – buildings and/or contents
  • Non-payment of rent
  • Emergency repairs
  • Emergency accommodation (for your tenant if the property becomes uninhabitable)

Perfect for Lettings

  • Insurance policies specifically designed for a residential landlord
  • Expert advice from property insurance experts
  • In-house claims team to help you in the event of a claim – our aim is to get your property back to normal as quickly as possible.

Rent guarantee insurance & legal expenses

Cover includes:
  • Rent limit of £2,500 per month (higher limit of £5,000 available) to a maximum of 12 months
  • Rent of one month or more must be outstanding to claim
  • Legal expenses up to £50,000
  • Hotel expenses up to £1,500
  • Nil excess
Optional additional covers:
  • Vacant possession cover
  • Tax and VAT investigations

Landlord 24/7 Home Emergency

Cover includes:
  • Blockage, breaking or flooding of drains or sewers
  • Boiler breakdown
  • Burst pipes
  • Electrical emergency & breakdown
  • Failure of roofing, down-piping, guttering
  • Failure of external locks
  • Inoperable toilet (where no other is available)
  • Pests – wasps, mice, rats
  • Tenants can report the emergency (with your permission)
  • Nil excess

Landlord buildings and/or contents insurance

Enhanced covers included as standard:
  • Accidental damage
  • Malicious damage by tenant
  • Unoccupancy – full cover up to 75 days between tenancies
  • Illegal cultivation of drugs

Leaseholders - flats

Your management fee will usually include insurance cover for the structure of the building and communal parts, however you may need insurance for the contents of your flat and your legal liabilities.

As part of Saffron Insurance we can also arrange insurances for:

  • Home – buildings and contents
  • Motor – including commercial vehicles
  • Motor breakdown
  • Travel – personal and business
  • Pets and livestock
  • Life and income protection
  • Business insurance
  • Personal and commercial legal expenses