Both building and
content landlord insurance is provided by Endsleigh Insurance, our top
recommendation for this category of home insurance cover. You can
access our Endsleigh home insurance page that provides
links and more information about landlord insurance
via their link at the bottom of this page. They are a long-established
broker with a reputation for value for money.
If you split the content and building cover, such that you get the
former from Endsleigh but the latter through an altenative route, then
this can help to minimise costs, particularly if you deploy a price
comparison system to find the (building) landlord insurance
cover.
It is advisable to use a specialist provider for landlord
insurance, however, given the differences between this and 'general'
home insurance. As Endsleigh is a broker, they do check their panel of
insurers for you which helps to keep down the cost, given that you are
getting a 'best of' quote.
We would advise against treating landlord insurance
similarly to general private home insurance. The landlord does not live
in the property and this has implications for the categorisation of
cover. In particular, going for the lowest priced cover as found via a
price comparison site will be a poor match for a landlord's needs.
In general, we tend to advise our users to consider going direct for
their cover and this is certainly worthwhile for landlord
insurance cover.
Those seeking landlord insurance through Endsleigh may find
it helpful to advise their tenants of Endsleigh's dedicated tenant's
insurance policy too as, to some extent, the landlord's and tenant's
policies compliment each other. Obviously it would be matter for the
tenant as to whether they agreed to taking out Endsleigh Insurance
themselves as they would need to be the policy holder.
Landlord insurance is big business - there's an
awful lot of rental properties out there. This allows for healthy
competition between proivders which inevitably beneifts the consumer in
keeping prices as low as possible. This effect means that while going
direct prevents undertaking a landlord insurance quote
comparison, it is reasonable to assume that market forces will see to
it that you don't pay too much.
It remains important, of course, to carefully check over the detail of
the landlord insurance policy you're selecting. It's
generally easy to do this when you go direct for your cover as
insurance companies invariably provide full policy details online.