Cover Options

Practically everything you as a landlord require for building insurance at a very competitive rate.

  • Landlord Property Insurance
    Landlord Property Insurance is £5 million as standard. According to ARLA, Personal injury claims have increased by 85% since 1990 and awards over £100,000 are not uncommon, so proper liability cover is invaluable.
  • Employers Liability
    Employers liability insurance is £10 million as standard
  • Landlords Building Insurance
    To protect you against the cost of structural repairs. The Association of Residential Letting Agents (ARLA) estimates that 40% of UK properties are under-insured – it is vital that you make sure your cover represents the full rebuilding cost for your property.
  • Landlord Contents Insurance
    Landlord contents insurance is £5,000 which is to cover the landlords fixtures and fittings.
  • Loss of Rent Insurance
    12 months of cover up to 30% of the buildings sum insured to ensure you won’t be out of pocket if damage or repairs make the property uninhabitable.

Our policy includes the above cover as standard – at no extra cost.

At TPCM we like to check our premiums against what our competitors are charging for a policy with the same or less cover and here is what we found:

Quotes are based on a property with a declared value of £100,000, occupied by professional tenants with accidental damage included along with £5 million property owners liability and no claims history:

Endsleigh                          £228.00

Direct Line                        £173.25

SmartLandlords             £149.94

TPCM                                 £110.25