Landlord Insurances  & Protection

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Building And Contents Insurance In Brighton

As a landlord, one of your biggest concerns is often what happens if a tenant stops paying rent. However, it’s equally important to ensure that you have the right buildings and contents insurance in place to protect your property, especially if you rent out a flat in a multi-use or converted block. A general block insurance policy may not cover specific issues related to your property.

At Belvoir Brighton & Hove, we don’t just list properties; we provide expert advice and services to ensure you have the best experience renting your property. Our team will make sure you have the correct insurance coverage before any tenancy begins, helping you to avoid potential issues down the road.

We work with Let Alliance, specialists in providing tailored insurance products for landlords, to ensure your property is well-protected. Their Building and Contents Insurance includes:

  • Nil Excess option (with £250 and £500 options also available)
  • Up to £500,000 Building Sum Insured as standard (up to £2m available on request)
  • Buildings accidental damage included as standard
  • Legal liability cover up to £5 million
  • Trace and Access cover up to £5000
  • Malicious damage by tenants available as an option
  • Up to 90 days un-occupancy cover
  • Contents cover up to £50,000
  • Alternative accommodation cover up to £100,000
  • Multiple property portfolio quotes available (with discounts)

Though these scenarios may not be at the top of your mind, having the right insurance now can save you from costly stress and repairs later. Contact us for a personalised, tailored quote that best suits your needs.

Landlord Rent And Legal Protection

Despite thorough checks and reference processes, circumstances can change during a tenancy. Whether it’s due to a relationship breakdown, redundancy, or illness, sometimes tenants are unable to meet their rent obligations. To protect yourself and your investment, Belvoir Brighton & Hove recommends that all landlords have Rent and Legal Protection.

We work with Let Alliance to offer a bespoke insurance package designed to safeguard landlords from rental income loss and legal challenges. Here’s what Rent and Legal Protection covers:

  • Full rent protection for up to four tenants, as per the tenancy agreement
  • Rent paid until vacant possession is obtained, regardless of fixed term completion
  • Legal costs to obtain possession if the tenant doesn’t pay rent
  • Court attendance included
  • Cover for breaches in the tenancy agreement, including non-payment of rent and expired Section 21 notices
  • A total claim limit of £50,000 (or more for higher value rents)
  • Cover available for 6 or 12 months
  • Nil excess, with rent paid from the first arrears

This protection can be paid monthly, annually, or semi-annually, depending on your preferences. Our goal is to help you manage potential risks and offer the peace of mind you need as a landlord. We are here to help you through the process, working closely with Let Alliance to make sure the protection is stress-free and tailored to your needs.

For more information or to discuss your options further, don’t hesitate to reach out to us. We’re here to ensure that your property investment is secure and well-protected.

Arrange a Free Market Appraisal

If you’re a landlord, looking to let or you’re just interested in how much your property might be worth, the best way to get an accurate and detailed understanding is through a free one-to-one appraisal with one of our experienced local agents. Request an appraisal with us using the form below.

  • Provide the address of the property to be valued.
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