Ultra Landlord

Home & Legacy’s Ultra Landlord insurance, our pinnacle landlord cover, is ideal for your clients who demand the absolute best when insuring their buy-to-let investment properties or residentially let homes.  Ultra Landlord insurance offers numerous benefits and features which extend beyond what most standard household policies offer.

We have a dedicated letting team who provide a first-class service as well as an in-house claims team, who handle claims personally and quickly. Our policy provides cover for buildings, contents and automatically includes landlord specific legal expenses cover. We also offer Landlord Income Protection Insurance to protect landlord clients' rental income.

Major features of Ultra Landlord insurance:

  • Cover available for buildings and/or contents; limited contents cover is available to cover carpets, curtains and white goods for your clients' properties that are let unfurnished
  • Cover without restriction for up to 90 days for properties unoccupied between lets or before the start of the first let (regular inspections will be expected when the property is not lived in)
  • Loss of rent towards the cost of alternative accommodation for your client or their tenants following the property being made uninhabitable by an insured event for example by a fire or flood (amount payable under the cover is up to 20% of the sum insured)
  • Property owners liability up to £2,000,000; includes liability for injury to the tenants
  • Employers liability for domestic employees; such as cleaners and gardeners up to £10,000,000
  • Legal expenses cover up to £60,000 included with all policies; pays legal costs for disputes with the tenants e.g. disputes about damage to your property, to pursue rental arrears, gain re-possession of the property and to evict squatters
  • Optional basis insurance for theft, malicious damage, loss or intentional damage by the tenant
  • Optional basis insurance for accidental damage (including accidental damage by the tenant) including theft, malicious damage, loss or intentional damage by the tenant

Landlord Income Protection Insurance is also available with Ultra Landlord Insurance as an optional cover.

Major features of the optional Landlord Income Protection Insurance:

  • Up to 12 months rent paid if a tenant defaults on their rental payments (but not the first month of non–payment). Rent is only paid until vacant possession of the property is obtained
  • Once vacant possession of the property is obtained 50% of the monthly rent will be paid for a further month whilst your client finds a new tenant
  • Up to £250 paid towards the reasonable costs of re-letting the property

Please click on the Get a Broker Quote button to obtain an online quote.

If your client does not need to insure their buildings or contents we could still help with our standalone Legal Protection Insurance or Rent and Legal Protection Insurance.  For more information about these products visit our Documentation Centre or get in touch with our New Business Team on 0844 893 8370.