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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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West Ham impresses buyers with its investment potential

中文 The London property market has been an investment hotspot because of its booming population and enhanced infrastructure under a number of redevelopment plans. West Ham is no exception, attracting buyers and tenants with its natural beauty and rising investment potential. Rapid regeneration The regeneration of West Ham has begun with a disused brownfield site. In 2020, the regeneration came into public’s attention when the award-winning developer Berkeley has set out ambitious sustainability goals for the construction process – to transformed disused industrial land into a 3,838-home development called TwelveTrees Park. There are also plans for commercial, education and entertainment facilities on the 26 acres of brownfield. RokhsanaFiaz, mayor of Newham, claimed the development was key to the regeneration of West Ham. Unlike developments that focus primarily on commercial values, TwelveTrees Park cleverly blends greenery and technology into resident’s city living to fulfil to the “connectedness” concept. More than half of the area has been preserved as a landscaped park and green open space, bringing the outdoors to life and rejuvenating residents with amazing natural scenery. WiFi is available in the 4.5-acre park to ensure friends and families are well connected when enjoying a picnic. Everything about TwelveTrees Park is dedicated to the connectedness and well being of residents. With buzzing cafés, bars and restaurants, and the community building hub at the centre, there is always something to do and a place to meet. The new Science School, which focuses on STEM education and caters for up to 1,000 students,offers after-hours events and excellent classes for everyone, while the community hub is the gathering point for a huge range of activities. One of the best-connected districts in London Although West Ham is nature-bounded, it is not an isolated island. It is one of the best-connected districts in London, with two CBDs–the City of London and Canary Wharf –just minutes away from the West Ham Station. As a major interchange connecting five nearby rail and tube lines, West Ham is well-connected to the rest of London and beyond, making getting to and from work and leisure activities simple and convenient. It takes only seven minutes to get from West Ham Station to Canary Wharf, 18 minutes to Liverpool Street Station, and 25 minutes to King’s Cross St Pancras Station. And it’s just a 10-minute ride from the DLR at West Ham Station to London City Airport, providing unrivalled connections from doorstep to destination. With the excellent accessibility to London, vibrant living is within easy reach at West Ham. The Westfield Shopping Centre, a buzzing shopping and leisure hub, with restaurants, bars and a cinema, is located in Stratford, which is only a three-minute ride away. The captivating mall is one of the largest urban shopping and leisure destinations in Europe, with a 17-screen multiplex cinema, bowling alley and a 24-hour casino, the biggest of its kind in the UK. Whether you are keen on shopping, eating or drinking, you will never get bored. Sports lovers in Stratford can capture the spirit of 2012 London Olympics at Olympic Park. Queen Elizabeth Olympic Park is now an exceptional public sports and leisure facility in Stratford. As well as treading in the footsteps of some of the world’s greatest athletes in a characteristic array of sports venues, including London Stadium, the London Aquatics Centre, the Copper Box Arena and Lee Valley VeloPark, you can explore its parklands, waterways, playgrounds and cafés – or experience the world’s longest tunnel (178m). Take the four-minute ride to North Greenwich and indulge yourself at O2, one of London’s premier sporting venues, as well as a new high-end shopping outlet and 4D cinema. Looking for a real adrenaline hit? Climb up the roof of the dome! Thanks to the outstanding connectivity, world-class education is at your fingertips. Accessible within 30 minutes are the campuses of 12 of the top 100 UK universities, including the LSE, City University and UCL, providing access to further quality tertiary education for your children. It takes only 25 minutes on the tube to get from West Ham to Old Street Station, where Tech City is situated, housing the headquarters and offices of well-known tech giants such as Cisco, Amazon and Adobe, providing plenty of job-hunting opportunities and a convenient work location. High investment potential In addition to the relaxing living environment and the well-established transportation network, the redevelopment plan improved West Ham’s infrastructure and amenities, fuelling a positive investment outlook. Rental yields are expected to reach 2.5% to 4.5%, while housing price are projected an increase 3.5% to 5.2% by 2023. And as sterling has remained weak in recent years, buyers can earn extra return by taking advantage of the exchange rate. TwelveTrees Park was crafted and designed by acclaimed architects Patel Taylor (Masterplan) and Atkins (Phase 1A) and developed by renowned developer Berkeley. Inspired by nature, the designers incorporated modern design into the green areas. Elegant and minimalist interiors in TwelveTrees Park were applied to enduring materials that will age beautifully. The use of soft tones of grey, ecru and white creates a harmonious home feeling for residents. The 24-hour concierge service, multiple co-working areas, open ‘pod’ meeting areas and a private meeting room in the residents’ business lounge make life much better, coupled with a screening room, gym, restaurants and The Hub in the community. A selection of contemporary studio, 1, 2 and 3-bedroom apartments and penthouses are now available for sale. Studio price starts from £479,500, and 1-bed apartment price starts from £529,500. To learn more about the prospects of the West Ham property market and TwelveTrees Park, click here.

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