"It is very important that your policy includes Property Owners liability cover against injury or death to individuals on or adjacent to your property. Basic low cost polices may not include this cover." ARLA (Association of Residential Letting Agents)
Landlords are right to be concerned about the substantial risks that can be posed by third party liabilities. In today’s litigious society, anyone operating a business - and a landlord is certainly doing that - can easily find themselves involved in a lawsuit. It is more vital than ever that you are covered against your legal liability for death or injury to individuals on or near your property, for example: tenants, visitors and guests, meter readers, postmen and anyone else who may access your property. Furthermore, local authorities and universities will normally specify minimum cover requirements for property let to housing benefit tenants or students.
TPCM has £5 million Property Owners Liability included in its buildings insurance policy at no extra cost, while some other providers policies may only include £2 million.

Most policies will compensate you for loss of rent following damage from an insurable peril like fire or flood damage if the property is uninhabitable, usually 20% of the sum insured but some policies are up to 30%.’ ARLA (Association of Residential Letting Agents)
TPCM has a policy which is specifically designed for landlords. We think it is essential to protect your income therefore we insisted our policy includes malicious damage and up to 30% of the building sum insured for loss of rent.

To many people the benefits of buy-to-let insurance may seem obvious. The contents insurance will cover your furniture while buildings insurance will cover damage to your property. But it's equally important not to overlook other areas such as alternative accommodation insurance in the event your property becomes uninhabitable. The TPCM insurance policy for landlords meets the reasonable costs of obtaining and renting alternative accommodation.

This cover includes protection against damage by your tenants to your buildings. We provide Accidental Damage Cover FREE on buildings insurance (please see the policy document for full details).

We’re not like a traditional insurance broker, therefore we do not charge brokerage fees, nor do we add 'administration' charges for processing your paperwork. As part of our service we will make amendments to your property schedule, for example changing a noted interest or the freeholder details, free of charge. What’s more we guarantee to make the changes within 24 hours of notification to us.

As well as no hidden charges, we pride ourselves on being different from other insurers. We have dedicated account managers so that when you call you’ll be able to speak to someone who is familiar with your properties. So if you value a service that is transparent, friendly and efficient, you’ll find it with TPCM Insurance.