What is Residential Landlord Insurance?
Residential Landlord Insurance is for landlords renting out a home for people to live in.
It covers the buildings and contents, which you can insure together or separately, and the cost of rehousing tenants if the property is damaged.
If you're letting a property to residential tenants, Home Insurance isn't enough to protect against accidental damage to your property or possessions or loss of rent and legal expenses.
Landlord Insurance doesn’t cover you if your tenants are living in the property with you, e.g. a lodger. This is covered under our Home Insurance.
If you want to rent out a property to a third-party business, you need Commercial Landlord Insurance, or if you have a mixed portfolio of residential and commercial properties you can insure them under a multi-property policy.
If your property is unfurnished without contents, you can take out an insurance policy that covers your buildings only.
Churchill can offer up to £15 million buildings cover as standard.
If your property is furnished or part-furnished, you can take out an insurance policy for your contents only.
Churchill offers up to £1.5 million cover for damage to furniture, fixtures, and fittings that don’t form a permanent part of your property’s structure.
Reasons to rely on Churchill for Residential Landlord Insurance
- Buildings insured for up to £15 million, including Boiler Cover
- Up to £1.5 million contents cover
- New-for-old Contents Insurance
- Access to a 24/7 legal helpline
- The cost of re-housing your tenants following an insured event such as a flood or fire
- Public Liability and Property Owners Liability Insurance up to £2 million with options to increase it to £5 million or £10 million
- Insure up to 10 properties on a multi-property policy online or call us to cover more
- Insure floor coverings up to £5,000
- Malicious damage and/or theft by tenant cover (damage you can’t recover from a security deposit, up to £10,000)
- Unlimited glass cover
- Free access to our business information support service, Churchill Business Navigator
Make your policy work for you
Tailor your cover with our optional extras
Public Liability & Property Owners Liability
Increase Public Liability and Property Owners Liability Insurance up to £10m (subject to criteria)
Accidental damage for buildings and/or contents when you’ve insured them.
Loss of Rent
Cover for loss of rent if your property becomes uninhabitable following an insured event such as fire or flood.
Legal expenses cover up to £250,000 (including repossession cover)
Multi-Property Liability Cover
If you're a landlord for multiple properties, you can insure up to 10 properties on one policy online. If you need to insure more, just contact us.
Cover against damage to the building as a result of foundations moving. Including subsidence, landslip, or ground heave.
Damage to a property as a result of terrorist acts can result in high costs unless you have the right level of cover in place.
Employers' Liability Cover
If you employ staff, you’re legally required to take out the right level of Employer's Liability Cover. We offer cover up to £10 million.
Rent Arrears Cover
Covers you if your tenants can't pay their rent. Available as part of our Legal Expenses Cover on Residential Landlord policies.
Expert guidance for your business
Business is confusing enough without having to worry about risks, rules, and regulations.
When you’re running your own business, you want to concentrate on the things you do best and leave the boring stuff to someone else.
That’s where we come in. We can’t do it all for you, but Churchill Business Navigator can help you find your way through some of the red tape that business owners have to deal with.
What’s Churchill Business Navigator?
Churchill Business Navigator is our free, easy to use risk management portal for Churchill Business Tradesperson, Professional and Landlord customers.
It has a wide range of tools and resources to help you manage risk in your business 24/7.
The help available includes online modules covering everything from HR processes and business continuity plans to dealing with Brexit and employment legislation.
You can get a response from our team of experts to any questions you have within 24 hours and there’s a library of downloadable industry-standard documents to help you with HR and health and safety compliance.