TheHouseShop | The UK Property Marketplace

Landlords Contents Cover £10.28 per month ¹

Provides cover for loss or damage to the landlord’s contents.

For further terms, conditions and information relating to the policies mentioned above, please refer to the Insurance Product Information Documents (IPID) and Policy document. Our status disclosure document can be found using this link

1. All prices include Insurance Premium Tax (IPT)

Enter your details and choose the level of cover you need.

Review the quote and the eligibility criteria.

Confirm and purchase directly online in few clicks.

Protect your belongings

This insurance covers against certain events such as fire, theft, and malicious damage.

Flood

Vandalism

Theft

Storm

Fire

Damage

Optional cover for accidental and malicious damage caused by the tenants

What is Landlord Insurance?

Landlord Insurance may protect you and your property when you need it most. You could be putting your investment at risk if you don’t take out a cover designed for landlords.

Landlords Contents Cover

Up to £15,000 to cover loss or damage to the landlord’s contents caused by certain events such as fire, storm, flood and theft.

There is a range of optional extras to boost your cover such as, malicious damage caused by the tenants, Building Insurance, Legal Expenses, and Rent Guarantee.

Alternative accommodation

Up to £3,000 to pay for temporary accommodation for your tenants, or to cover the loss of rent, if your property is uninhabitable following an insured event.

Buildings Cover

The Building Insurance optional extra covers up to £600,000 to cover loss or damage to the building caused by certain events such as fire, storm, flood, theft, impact, malicious damage and vandalism.

Accidental and malicious damage

The Accidental and malicious damage optional extra may protect against deliberate damage or theft caused to the property by a tenant or their visitors, which is excluded when this option is not selected.

Landlord Emergency

Landlord Emergency optional extra provides up to £1,000 per incident, with no limit on the number of incidents per year, for a number of let home emergencies. Cover is provided for the cost of a contractor’s emergency call-out, labour charges and parts and materials.

Legal Expenses

Landlords Legal Expenses is an optional extra designed to help Landlords through difficult and often stressful legal situations.

The Legal Expenses policy offers £100,000 of legal cover plus a 24-hour legal advice Helpline. You also have the option to include Rent Guarantee cover.

Rent Guarantee

Even the best tenants can find their circumstances change suddenly, meaning they're unable to pay the rent. Rent Guarantee is a optional extra which will pay unpaid rent by the Tenant of up to £2,500 per month for up to 6 months.

What is not included?

Contents Cover

Any loss or damage caused by anything that happens gradually including wear and tear.
Loss or damage under a number of sections of your policy if your let property is left unoccupied for more than 30 days.
Malicious damage, theft or attempted theft caused by you, your tenants, domestic staff, lodgers, paying guests or anybody lawfully in the property.
Malicious damage and theft caused by your tenant may be covered if you have added ‘Accidental and Malicious damage and theft by tenants’ cover to your policy.
Loss or damage caused by a weather event that does not meet the definition of storm in the policy wording.
Loss or damage caused by chewing, scratching, tearing or fouling by domestic pets.
We will not pay for the cost of replacing other matching items in a pair or set if they are not lost or damaged.

Excellent work

Anonymous

Perfect service, best place to make a house deal.

Tegan W

I'm really satisfied as they provide quality services quick response. Best wishes

Alamin

Houseshop.com is one of the best companies that provide quality services quick response. I wish best of luck

hamna

Great connections and service. Thank you!

Anonymous

Satisfied with the services.Good going and keep growing the house shop and team.

Umer F

If there's another word for "best" and "excellent", then that's just how I would describe it!

Analisse W

Great customer service and I love the process. Definitely recommended!

Paul D

I was satisfied with everything!

Robert E

The House Shop provides really good services. We are really impressed with them.

Brian R

They are the best!

Anonymous

Very good service

Vadim

One of the best place to make a house deal. Their work is really appreciated.

Anonymous

Awsome to see.

sanwal n

I highly recommend this place, Their customer support is excellent.

Scarlett M

Without any thought you guys can opt for the house shop.. I am saying this from my personal experience. Everyone purchases their goods with their hard earned money and their emotions are also involved in it but seriously the house shop and team value your emotions and take care of our products as if its their. Good Job team

Love s

Great service and professional team.

Allana

Great service and professional team.

Allana

Very professional.

Anonymous

From start to finish It's a straight-forward process to advertise my properties. From advertising to tenant referencing up to tenant moving in, their systems were highly efficient. They are well informed and helpful if you need help along the way. Highly recommended!

Anna M

partners@kirik.pro

Frequently asked questions

What are the eligibility criteria for your Landlord Insurance cover?

To be eligible to take our our Landlord's Insurance we ask that the property in question:

Is a residential property in the UK
Is let under a tenancy agreement directly between yourself/your letting agent and your tenants
Is occupied by no more than 6 individual tenants
Is not a bedsit or divided into individual self-contained units
Shows no signs of, and has never had any damage caused by landslip, subsidence or heave
Has not been flooded in the past 10 years

We also require that you, or any member of your family living with you:

Are at least 18 years old
Are occupying the property solely for residential purposes
Have not had insurance cancelled, declined or declared void
Declare any previous insurance claims in the last 5 years
Have not been convicted of any criminal offences, other than motoring convictions, or any offences which are covered under the Rehabilitation of Offenders Act 1974

TheHouseShop.com is a property marketplace that allows agents and individuals to list their homes to let and for sale for free. All landlords are verified to ensure that they own the property they are advertising with us.

How much should I insure my rental property for?

To work out the level of cover that you will need for your Landlord Buildings Insurance, you need to know the "Rebuild Cost" for your property.

The rebuild cost of a property is not the same as the purchase price or the amount that you would sell the property for. Instead, the cost of rebuilding your rental property can usually be found on your mortgage lender's valuation document (if you have a mortgage for the property in question). If you do not have a lender's valuation then you can obtain your rebuild cost from a local surveyor.

Once you know the rebuild cost for your property we can help you determine the exact level of cover you will need and give you a quote for your Landlord Buildings Insurance policy.

What's the difference between Buildings and Contents Insurance

There is an important difference between Buildings and Contents insurance.

Buildings Insurance will cover the property itself and any outbuildings, as well as permanent fixtures and fittings inside the building - such as fitted wardrobes, hardwood floors and built-in appliances.

Contents Insurance, on the other hand, covers the "moveable" items such as ornaments, free standing furniture, carpets and certain appliances.

How do I know what is covered in my policy?

We offer a range of options and additional extras for our Landlord Insurance policies, so you can find the right cover for you and your property.

The exact level and type of cover included in your policy will depend on the decisions you make when taking out your policy. To find out exactly what's covered in your policy you can download or view a copy of your policy booklet which contains all the relevant information about what is and isn't covered.

What does 5 star Defaqto rated mean?

Defaqto are an independent and trusted brand that assess the quality of financial products and services to help consumers get an impartial assessment of products they are interested in.

Defaqto cover 80 separate areas across general insurance, wealth management, life and protection and banking. Their Star Ratings rate products based on the quality and comprehensiveness of the features and benefits they offer.

A 4 or 5 Star rating represents one of the best products or services available on the market. Our Landlord Insurance is rated 5 Star by Defaqto and we are proud to offer our comprehensive cover to landlords across the UK.

Do you offer any other landlord insurance products, like Rent Protection?

Yes, we offer a range of landlord insurance products to help safeguard your property and your income.

We offer comprehensive Rent Guarantee Insurance for landlords that will safeguard your rental income and cover your legal expenses should you need to evict a tenant. You can find out more about our Rent Protection Insurance here: TheHouseShop | Rent Guarantee Insurance.

We can also offer a range of optional extras when you purchase our Landlord Home Insurance, such as Accidental Damage cover, Landlords Emergency cover and Legal Expenses cover. To learn more about any of these additional products simply ask your account manager or advisor when you sign up for Landlord Home Insurance.