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Category: FAQs

Is accidental damage covered as standard under my landlords insurance policy?

Contents and / or buildings accidental damage is not included as standard under your Cover4letProperty insurance policy. This is because we strive to offer you the most competitively-priced cover, without including elements of protection you may not require. You can, …

Is it safe to pay online?

At Cover4LetProperty, we pride ourselves on only using the highest industry strength website security measures to keep your personal data safe at all times. This includes both your application and policy details as well as when you make a payment …

What is the maximum amount of claims you can make on the policy?

There is no limit to the amount of claims you can make on your landlords insurance policy. Do note, however, there are two things to take in to consideration if you have to make frequent claims on your insurance: every …

What is the buildings sum insured?

When applying for landlords insurance and calculating the amount of cover you need to protect your investment, you will be asked how much buildings sum insured you require. Some landlords mistakenly believe that this amount should be equivalent to the …

What is the tenancy deposit protection scheme?

This is Government-backed initiative that is running in England and Wales only (as at April 2014) where a tenant’s deposit must be put into an approved scheme. Known as a tenancy deposit scheme (or TDS for short), this protects the …

Do you offer discounts for having multiple properties insured with you?

Yes! This is sometimes called multiple property insurance cover or property portfolio insurance. We would welcome the opportunity to discuss this with you further and to highlight some of the real cost savings that might be achievable in situations where …

Will my normal home insurance policy cover my let property?

No. This is arguably one of the most important aspects to grasp about being a landlord. If you are using property for the generation of any sort of rental i ncome, however you may think about yourself, the insurance industry …

Does my landlord policy include replacement locks as part of the cover?

No, it does not. There are a number of circumstances where you may need to change your locks. That might include situations such as: after a burglary in which they have been damaged; after a burglary where, even though the …

I have loss of rent cover and my client has left the property owing me money. Can I claim?

Unfortunately, no you cannot. If your tenants were forced to vacate your property as a result of an insured risk, your property insurance may offer you contributions towards your loss of rental income and emergency accommodation expenses for your tenants. …

How can I pay for my cover?

We are pleased to accept a wide variety of payment methods, including some of the most popular in use today. That includes the following options: credit cards – carrying most of the major market brands; bank debit cards – these …