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Buy to let insurance

As an insurance broker which specialises in buy to let insurance we understand how frustrating the process of insuring your properties can be, searching around for respectuable insurance companies, filling out quotation forms and having to make multiple phone calls. We have spent time and effort to produce an instant online quick quote system which will provide you with buy to let insurance quotes from several insurers at once meaning you can save time and money. For your protection we only provide buy to let cover from insurers which have been authorised and regulated.

As a buy to let insurance broker we do all the searching for you to make sure you pay a competitive premium and get great cover without you having to spend your valuable time searching yourself. As a landlord you will want to have insurance in place to provide protection for your properties which are often some of the biggest investments a landlord has. Because we concentrate on buy to let insurance we can provide quotations for risks which many brokers may be unable to quote for such as contents only policies, buildings only and cover for areas which are known to be a higher flood or subsidence risk.

All buy to let insurance policies will differ with regards to the cover they offer but for the safety of our clients we will only place cover with insurers which provide a minimum cover of what would be expected as standard. To make sure the buy to let policy provides full cover for your requirements we highly recommend you read the keyfacts for the insurer which will outline cover detail,exclusions, exceses and such like and make sure you take special note of any quotation supplied which may outline a non-standard term, excess or such like. As a general rule most insurers will usually provide at minimum cover for perils such as fire, lightening, flood, earthquake, explosion, aircraft, subsidence and such like which are obviously the main perils you would want your buy to let insurance policy to cover.

The following is just a small sample of the services which we are able to offer instantly online:

There are a wide range of buy to let insurers, each offering different levels of cover, excesses and charges. To give you the highest chance of obtaining a cheap buy to let policy we provide quotations from a range of competitive insurers meaning you can have the choice between different premiums, excesses and such like. Ultimately meaning you have a wider choice with regards to your landlord insurance policy than what you may get if you were to go direct to an insurer.

As standard our buy to let insurance policies usually include property owners liability to provide cover against any liability claims your tenant may make against you, for example if the tenant was to injure themselves inside the property and hold you liable. This is an obvious benefit of having a specific buy to let policy over a standard household insurance policy. As a landlord you may let houses in multiple occupation meaning you need a property licence in force before the 6th of april. Some landlords make the mistake of leaving a property insured under a standard household policy which usually wont provide cover for let properties and even if it does then you usually wont have such extensive cover such as property owners liability. Some of the buy to let insurance companies we deal with will allow a discount if you insure several properties at a time

Right now buy to let insurance is not a legal requirement but as a responsible landlord you will want to have insurance in place to protect at minimum the buildings themselves against perils such as fire, flood and subsidence. An unexpected incident could result in thousands of pounds worth of damage and without insurance in place you may have to just pay this out of your own profits. A lender usually wont provide any funds without seeing a valid buy to let insurance policy because they also want to protect their investment in the property. We understand that sometimes documents are required urgently which is why as a buy to let insurance broker we can supply documents via post, fax and email.

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