Property Insurance

Why landlords need household insurance?

• Most standard household insurance policies will not protect let property.
• Shifts in legislation require landlords to be more aware of the risks,
• particularly with regard to public liability and appliance safety.  

Why use LETsure household insurance?

• Policies available for buildings and/or contents cover
• Premiums payable by instalments
• Comprehensive buildings cover for houses, bungalows and flats with up
• to five bedrooms
• Up to £5,000 contents cover is available for properties let unfurnished
• Full contents cover is provided for fully furnished properties
• Accidental Damage cover is available as an optional extension for both
• buildings and contents cover
• Unoccupied property is covered if inspections are carried out every
• 14 days
• Fast claims handling designed with landlords in mind
• LETsure has over 12 years experience in the residential lettings market  

Landlords Contents Insurance

The following are the main risks covered as standard:

• Fire, lightning, explosion
• Riot, civil commotion
• Collision
• Storm, flood, escape of water
• Malicious damage
• Subsidence
• Theft
• Falling radio TV aerials etc
• Falling trees
• Accidental damage to mirrors and glass
• Loss of metered water
• Loss of rent following an insured event
• Damage for which a tenant is legally liable
• Public liability insurance

Accidental Damage Cover (available as an optional extension). If selected, cover is extended to include accidental damage, tenant damage and theft by tenants up to the maximum policy sum insured.

Home Cover

Letsure Homecover insurance is designed to cover homes that are owner occupied and simplifies arrangements for a landlord if he moves back into a previously let property. It is also available for those tenants who require a wider range of cover than is available under LETsure Tenants contents insurance.

• There is the option to include Accidental Damage Cover
• 24 hour helpline for domestic emergencies and legal advice
• Discounts for large sums insured, increased excesses and burglar
• alarms,doors and window locks
• No claims discounts are available and an introductory discount is
• available when you can prove a past claim free record.

Tenants Contents Insurance

LETsure Tenants Contents insurance is available for individuals, families, couples and groups of no more than 4 single sharers (including students).

Cover is available for properties, with up to 4 bedrooms where the amount to be insured does not exceed £30,000.