For the landlords among us

[SimonMac]

Daft question but does "Landlord Insurance" cover buildings insurance too or is that still required?

[Goatfell]

In a nutshell - yes. My current policy covers:

Buildings
Landlords' fixtures & fittings
Landlords' contents
Property owners' liability
Alternative accommodation
Subsidence
Trace and access

[northernladuk]

It depends on the product you pick. They are tailored to suit all situations. I have insurance on a flat that only covers the internal stuff, not the building as it is covered by the maintenance charge but I have a house that covers only buildings and the very basics of the internals.

I don't think there is any such thing as a catch all 'Landlords insurance'.

[scooterscot]

Daft question but does "Landlord Insurance" cover buildings insurance too or is that still required?

Ask your insurer.

But yes, our cover is protects both. However the cover for the holiday-let place is different and considerably more expensive.

[MarillionFan]

Daft question but does "Landlord Insurance" cover buildings insurance too or is that still required?

Mine covers both. Thanks for the reminder mines due.

[d000hg]

I think our building insurance is Landlords' insurance, i.e. it's building insurance which covers letting the house rather than living in it.

[scooterscot]

Something to remember

I recall a number of the products when searching that would be void were the flat unoccupied for more than 3-4 weeks. Which rather sucks as that's probably the exact time you might get a burst pipe say when it's not in use.

[d000hg]

I recall a number of the products when searching that would be void were the flat unoccupied for more than 3-4 weeks. Which rather sucks as that's probably the exact time you might get a burst pipe say when it's not in use.

This is common, as is not allowing benefits claimants - although you'd think that's discrimination of some sort.

[barrydidit]

I recall a number of the products when searching that would be void were the flat unoccupied for more than 3-4 weeks. Which rather sucks as that's probably the exact time you might get a burst pipe say when it's not in use.

In the T's and C's for mine the clause goes along the line of 'you don't expect the property to be vacant for >45 days'. I think the key to that is expectation - i've never called to query what would happen should 45 days vacancy come and go. Perhaps the landlord could spend the night there and reset the clock?