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Comprehensive Landlord Insurance

Why use Alan Boswell Insurance?

  • They use selected quality insurers to find the best policies at affordable prices.
  • Wide variety of optional covers including HMOs and student lets
  • UK based personal claims service, not a call centre
  • Members report a favourable experience when they have had to make claims. 
  • 5 star ‘Defaqto’ rating *
  • Malicious Damage cover included as standard
  • Wide acceptance criteria and flexibility
  • Pricing, underwriting and claims primarily managed in-house. 
  • They have more authority and sway on claims than individuals
  • Ability to pay cheques directly to you on behalf of insurers.
  • Online quotes available in minutes  
  • Using Boswells helps keep PDPLA membership fees low

Optional extras to consider...

  • Rent guarantee insurance
  • Legal expenses
  • Home emergency repairs
  • Tenants contents
  • Tenant referencing
  • Excess protection insurance

Examples of ‘Optional Extras’...

  1. We can now add cover for legal expenses up to £50,000 at £15 per property.
  2. If this is extended to include rent guarantee, the cost increases to £40 per property.
  3. We have a new “Home Emergency Cover” available at £69.30 per property providing 24/7 access to skilled tradesmen in the event of an unexpected emergency occurring e.g. with heating or plumbing etc.
  4. We still offer the option to delete the claims excess for damage caused by a tenant for an additional £26.25 per property.
  5. We can also offer free advice on rebuilding values using a facility we have with BCIS (part of RICS). 

* Defaqto is an independent service that compares financial products. Defaqto analysts study the financial market for services and products, before giving them a star rating based on the features and benefits they offer, with 5 stars being the top rating. These analysts are constantly surveying the market, researching and analysing new products as they enter the market, to help you make the right decisions. Defaqto experts have researched, collected and assessed nearly 41,000 financial products, and are constantly updating their findings so customers have access to the most recent results.

Tips When Buying Landlord Insurance

Varying your excess can significantly reduce your premium. (The default PDPLA Excess is £1,000. If you may feel this is too high if you only have one or two properties.)

When comparing providers check you are comparing like for like- 

Many companies claiming to offer cheap insurance will do so by limiting cover and increasing excesses.

  • Level of excess, (A £1000 excess may save you 10%)
  • Accidental damage cover
  • Cover for Malicious Damage caused by the tenant or guest. Check any excess. 
  • Cover for costs of re-housing a tenant 
  • Loss of rent or cost of alternative accommodation following damage to a property. (Boswell’s usually up to 12 months and up to 30% of buildings cover)
  • Cover for students, housing benefit, asylum seekers if relevant
  • Property Owners’ Liability (Boswell’s usually up to £5,000,000)
  • Employers’ Liability (Boswell’s usually up to £10,000,000)
  • Duration of cover between lets for unoccupied properties. (Boswell’s usually 90 days)
  • Limited contents such as carpets, curtains and white goods may be covered under ‘buildings’ only policy.
  • Trace and access of leaks (Boswell’s usually £50,000)
  • Free advice on rebuilding values using a facility we have with BCIS (part of RICS).
  • Clearance of drains as a result of damage by an insured contingency.
  • Replacement of locks to external doors after the theft of keys from property. 
  • Broker handles claims themselves.  
  • Broker can settle smaller claims themselves.