Contents insurance

This is designed to make sure your possessions are covered if the items in your home were to be damaged or stolen. These policies are set up to replace old items for new items, in your time of need. Being correctly insured can be the difference in getting all your possessions back or only a partial payment towards them.

Protect Your Rental Property with Landlord Insurance in Bristol & Bath

What is Landlord Insurance?

Landlord Insurance provides tailored protection for rental properties, covering buildings, contents, and additional risks specific to letting. If you rent out a property in Bristol, Bath, or the surrounding areas, it's essential to have the right cover in place to protect your investment and income.

Standard home insurance typically doesn't cover properties that are let to tenants, which is why specialist landlord insurance is a must for property owners.

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What Does Landlord Insurance Cover?

Buildings Insurance

Covers the physical structure of the rental property, including walls, roof, fixtures, fittings, and permanent features. It protects against risks such as:

Fire, flood, storm, or subsidence
Vandalism or malicious damage
Escape of water (e.g. burst pipes)
Accidental or tenant-related damage (optional)

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Contents Insurance

Protects the landlord's contents within the property (e.g. furniture, appliances, carpets) if the property is let furnished. Note: this does not cover tenants’ belongings.

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Rent Guarantee Insurance

Covers rental income if a tenant fails to pay. This can help cover mortgage payments and other expenses while legal proceedings take place.

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Legal Expenses Cover

Pays for legal costs associated with disputes such as eviction, property damage claims, or tenancy breaches.

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Liability Cover

Protects you in case a tenant or visitor is injured on the property and makes a claim against you.

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Who Needs Landlord Insurance?

Landlord Insurance is suitable for:

Buy-to-Let Property Owners
Accidental Landlords (e.g. renting out an inherited property)
Portfolio Landlords with multiple properties
HMO (House in Multiple Occupation) Owners
Holiday Lets or Short-Term Rentals

Whether you’re letting out a flat in Clifton, a terrace in Bedminster, or a house in Bath, we can help you get the protection you need.

Speak to an Adviser for tailored advice.

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Common Questions from Landlords

Do I need landlord insurance if I have a buy-to-let mortgage?

Yes. Most buy-to-let lenders require proof of landlord-specific buildings insurance as a condition of the mortgage.
Does it cover tenant damage?

Standard policies may not cover this, but you can add accidental or malicious damage by tenants as optional extras.
Will my contents be protected?

Yes, if you choose to include landlord contents insurance, it will cover furnishings, white goods, and fittings that belong to you.
What if my tenant doesn’t pay rent?

Rent Guarantee Insurance can cover unpaid rent and associated legal expenses.
Do I need cover for multiple properties?

Yes, and we can help arrange portfolio landlord insurance for simplified management and cost-efficiency.