Ultra Landlord

Our Ultra Landlord insurance is designed specifically to offer landlords the assurance and protection they need. Our policy includes numerous benefits and features which extend beyond what most standard household policies offer.

We have a dedicated letting team to provide you with 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 (on an optional basis) to help protect your rental income.

Major features of Ultra Landlord insurance:

  • Cover is available for buildings and/or contents. If you are letting your property unfurnished you may require limited contents cover which covers your carpets, curtains and white goods
  • If your property is unoccupied between lets or before the start of the first let full cover applies for up to 90 days (regular inspections will be expected when the property is not lived in)
  • In the event that your property is made uninhabitable following an insured event for instance a flood or a fire the policy covers your loss of rent or the costs towards alternative accommodation for you or your tenants (amount payable under the cover is up to 20% of the sum insured)
  • Cover for your liability as owner of the property of up to £2,000,000. This includes any legal liability you may have for injury to tenant or damage to the tenants' property
  • Cover up to £10,000,000 for your liability as the employer of any domestic employees at the property; such as cleaners and gardeners
  • Landlord legal expenses cover of up to £60,000 is included with all policies. This covers the legal costs and expenses following a breach in the tenancy agreement by the tenant.  For example if the tenant fails to vacate the property at the end of the tenancy, refuses to pay the rent or causes damage to the property. It will also cover the legal costs to evict squatters and defence costs should the tenant pursue an action against you
  • On an optional basis, at an additional cost, the insurance can be extended to include cover for theft, malicious damage, loss or intentional damage by the tenant
  • On an optional basis, at an additional cost, the insurance can be extended to include cover for accidental damage (including accidental damage by the tenant). This option if selected, also includes cover for theft, malicious damage, loss or intentional damage by the tenant

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

Major features of the optional Landlord Income Protection Insurance:

  • Up to 12 months rent paid if your 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 your property is obtained 50% of the monthly rent will be paid for a further month whilst you find a new tenant
  • Up to £250 towards the reasonable costs of re-letting the property

Ultra Landlord Insurance is subject to terms, conditions and exclusions. These are fully detailed in the policy wording

Don’t need to insure your buildings or contents?

We could still help you with our standalone Legal Protection Insurance or Rent and Legal Protection insurance

To get in touch with one of our specialist advisors for Ultra Landlord insurance please call us on 0844 893 8360 or click on the Get a Quote button.