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Landlord insurance for DSS tenants

Some landlord insurance policies may have certain conditions attached relating to whom you can and cannot rent your property to. For example, some policies may specifically exclude certain categories of tenants like students, DSS recipients, asylum seekers and so on.

While this may be perfectly acceptable for some landlords, there may be others and you may be one of them, who may find this condition relating to tenants to be restrictive – impinging on your freedom of choice to rent your property to whomsoever you choose without the added overhead of seeking out new landlord insurance at the same time. It is your business after all!

There are, however, some buy to let insurance providers who impose no such tenants restrictions and who make no such distinctions, They offer cover for DSS tenants as well as for the other categories of tenant where restrictions may also apply.

But first, what does landlords DSS mean?

What does DSS tenants mean?

The term DSS stands for the “Department for Social Security” – a government department that was responsible for benefits payments, which but hasn’t existed since the early 2000’s.

A DSS tenant is someone who is in receipt of benefits like housing benefit or Universal Credit – for example, someone who is unemployed, disabled, and/or is a single parent. Some landlords – and some insurance providers – are uncomfortable letting to tenants on low incomes, as they worry that those on benefits may fail to keep up on their rental payments or cause malicious damage.

Cover4LetProperty and insurance for DSS tenants

The good news is that at Cover4LetProperty, there are no restrictions on whom you let to. We cover all tenants types including people in receipt of housing benefit and students etc.

You don’t even need to let us know that you have a tenant or tenants in receipt of housing benefit or any other benefits when you get your insurance quote (landlord).

Using our easy to use quote and buy online system, we will compare the market landlords insurance to see which solution most suits your requirements. Our service is free and there is no obligation to buy the cover after you have received your quote.

What does landlord insurance for DSS tenants cover?

Our DSS landlord insurance is the same as our standard landlord insurance policy. It offers all the same protection, such as cover for the building against the standard risks such as fire, theft, loss or damage, as well as add-on elements providing:

  • cover for subsidence as standard – a serious problem that is not nearly as widely covered as it may once have been;
  • malicious damage by tenants you rent to – perhaps not something that you may have come across before but it does happen;
  • contents insurance;
  • compensation for loss of rent and rental income (up to pre-set amounts) if your tenants have to move out to alternative accommodation while repairs are carried out on damage caused to your property by an insured event (fire, flooding, storms etc);
  • legal expenses cover;
  • trace and access cover which protects you financially in situations where you may otherwise be facing the repair costs relating to damage that a tradesman may have caused locating and fixing another problem.

With our landlord property DSS insurance, you can feel confident that your business is protected.

DSS landlord insurance

As a busy landlord you may wish to avoid what could be the nasty surprise of finding that your choice of tenant had invalidated your existing landlord insurance. Opting for a policy where no such DSS tenants restrictions exist may just simplify things by removing something else that you need to remember.

Our DSS landlord insurance will give you peace of mind that your business is protected with what we consider is comprehensive, cost-effective cover.

On a similar theme though, you may wish to ensure that you fully understand your position with regard to unoccupied property cover. This applies no matter what your tenant type and whether they are in receipt of housing benefit or not.

You may find that typically policies will have a time limit on the number of days (typically 30-45 consecutive days depending on the policy) that your property can stand empty before your standard buy to let cover becomes invalid and you may need to consider unoccupied property insurance.

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