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Insurance for Landlords

We understand that you want protection for your property and your furniture in the unlikely event that accidental damage occurs and we now work with property insurance experts to provide affordable solutions for our landlords.

Policies we offer

We offer contents and building insurance solutions.

What is Landlords Insurance?

Landlords Insurance provides financial protection for landlords renting a property to tenants. It differs from Home Insurance by covering the additional risks associated with renting a property.

What are the costs

The cost of Landlord Insurance depend the level of cover you choose.

What types of Cover are there?
  • Contents only insurance;
  • Building and contents insurance;
  • Buildings only insurance;
  • Landlords’ Liability insurance;
  • Landlord's Emergency Assistance Insurance;
  • Portfolio insurance for landlords who own a multiple property portfolio.

Contents Insurance

Landlords’ Contents Insurance cover protects belongings that you provide for your tenants to use whilst in your property.

There are 2 levels of cover:

  • Limited Contents Insurance which provides up to £5,000 of cover for a limited range of household items; and
  • Full Contents Insurance, which offers a much more comprehensive cover level, from £10,000.

Our contents policies include Employers Liability, Legal Liability, and Loss of Rent or alternative accommodation costs if your tenants have to move out following an insured event. The Full Contents Policy includes Emergency Assistance.

Buildings Insurance

Landlords’ Buildings Insurance cover you against a range of disasters such as fires, lightening, storms, floods and earthquakes, as well as an escape of water or oil, falling trees or branches, collision by vehicles and more. Our Landlord Buildings Insurance also includes Emergency Assistance Cover as standard.

Landlords Liability Insurance

Accidents can happen and Landlords Liability insurance protects you from the costs of injury or damage claims brought by third parties such as tenants, visitors or cleaners.

Our liability cover includes legal liability as owner up to £5 million, occupier’s legal liability and worldwide personal liability up to £5 million, public liability up to £5 million and employers liability up to £10 million.

Landlord's Emergency Assistance Insurance

Landlord's Emergency Assistance Insurance is included as standard within a Buildings or Full Contents Policies but can be purchased as a standalone policy if you prefer.

It gives you and your tenants’ access to a 24 hour helpline in an emergency and if purchased as a standalone product. This covers up to a maximum of £1500 per policy term and a maximum of £500 for each claim.

Portfolio Insurance - if you own 2 or more Properties?

We offer Landlord Portfolio insurance for those landlords with a number of properties which help you manage everything on one policy.

Our Landlord Portfolio Insurance includes:

  • Single policy and renewal date
  • Add or remove properties as your portfolio changes
  • Loss of rent cover following insured damage (up to 30% of the sum insured)
  • No restriction on unoccupied properties (up to 90 days)
  • £5m property owner's liability and £10m employer's liability for extra reassurance.
  • Cover for the rebuild of your property following loss or damage caused by:
  • fire, lightning, earthquake, storm or flood
  • escape of water or oil damage
  • collision by aircraft, vehicles or animals
  • falling trees or branches
  • theft by forcible means
  • subsidence, landslip or heave
  • riot or civil commotion.
Want to Know More or take out insurance?

Find more information or get a quote here

NOTE: Insurance is provided by Homelet and not Benham and Reeves.
HomeLet is a trading name of Barbon Insurance Group Limited which is authorised and regulated by the Financial Conduct Authority for insurance mediation.

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Landlords – is your rental property overcrowded? If it is, you could be fined up to £30,000

What is the Homes (Fitness for Human Habitation) Act?

In 2019, the Homes (Fitness for Human Habitation) Act was introduced – it’s an extension of the Landlord and Tenant Act 1985 and it aims to ensure minimum standards for human habitation at the start of and throughout a tenancy. It also gives tenants the power to take legal action against landlords they believe are not acting responsibly. One of its key points relates to overcrowding and therefore potentially dangerous living conditions of tenants in a rental property, particularly Houses in Multiple Occupation (HMOs).

Legislation to prevent overcrowding in rental properties

This government legislation aims to ensure that tenants have the space they need and it reduces the health and safety risks created by too many people sharing cooking and washing facilities. It also aims to help prevent too much rubbish piling up at a property which is overcrowded, potentially presenting health risks and having a detrimental effect on the local neighbourhood.

Large fines for landlords who do not comply with legislation

There are large fines for rogue landlords whose properties do not meet these minimum standards and those who don’t comply with the regulations on overcrowding can face fines of up to £30,000.

How do you know if your rental property is overcrowded?

If you’re not sure if your rental property is overcrowded, there are guidelines to help you assess the property. More info at:

The Room Standard

This relates to the number and sex of people sleeping in the same room. This doesn’t just apply to bedrooms but also to living rooms, dining rooms or studies – any room you can sleep in. A home is considered to be overcrowded if two people of the opposite sex have to sleep in the same room – unless of course they are a couple or if they are children under the age of 10.

The Space Standard

The ‘space standard’ is a way of calculating how much space is required by tenants, either by counting the number of rooms they have or the floor space of each room. If you calculate by counting the number of rooms in your property, these are the guidelines for how many people can sleep in each room: 1 room = 2 people maximum 2 rooms – 3 people maximum 3 rooms = 5 people maximum 4 rooms = 7.5 people maximum 5 rooms = 10 people maximum Anyone aged 10 or over = one person. Children aged 1 – 9 count as 0.5 person Children aged under one do not count

Minimum space requirements

If you calculate by measuring the size of each room, these are the minimum requirements. Rooms used for sleeping by one person aged over 10 must be no smaller than 6.51 square metres. Rooms used for sleeping by two people aged over 10 must be no smaller than 10.22 square metres. Rooms slept in by children of 10 years and younger must be no smaller than 4.64 square metres.

Provision of adequate waste storage

Landlords are also responsible for ensuring that there are adequate rubbish bins for the rental property. If waste accumulates because of lack of adequate storage, they could face a fine.

Contact us for more information on Property Management

If you’re unsure about the government legislation for a London rental property, make sure you instruct a letting agent who is well versed with current regulations. We support our Property Management clients and advise on all aspects of managing their London property, ensuring that they comply with all current and impending legislation. If you are interested in our property management service, get in touch.

--> Experienced landlords know that there are strict regulations regarding rental properties and the standard of accommodation provided. These UK laws are designed to ensure that rental properties meet minimum standards and so are fit for habitation by tenants. In particular, they aim to safeguard tenants by tackling the problem of rogue landlords, who are a small minority, but who do not en
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