Buildings insurance covers the structure; contents covers your belongings. Which you need - and who arranges buildings cover - depends on whether you're freehold, leasehold or a landlord. We place cover suited to your tenure, including specialist landlord policies with liability and loss-of-reent protection.
Freehold vs leasehold
Freeholders arrange their own buildings insurance. Leaseholders usually have buildings insurance arranged by the freeholder/management company via the service charge - but you still need contents cover. We confirm what's covered and where the gaps are.
- Freehold: you arrange buildings cover
- Leasehold: buildings often via service charge
- Contents cover needed regardless of tenure
Landlord specialist cover
Landlords need specialist policies: buildings cover plus property owner's liability, loss of rent, and optional contents for furnished lets. Standard home insurance is invalid for tenanted property. We place proper landlord cover.
- Property owner's liability included
- Loss of rent during void/repair periods
- Optional contents for furnished lets
