The UK insurer of
first choice that offers a specialised landlords insurance policy is
Endsleigh. You can link to them via our link at the foot of this page.
You will get either building or content insurance (or both) from them
and as they are brokers with an excellent panel of insurance companies,
you will be getting the best price and fit for your needs out of a
range of quotes.
Because their landlords insurance cover is designed with
the needs of a landlord in mind, we do see it as a good choice as
opposed to a 'general' home insurance policy.
One option, however, is to split the building and content components,
still using Endsleigh for the latter but comparing landlords
insurance (buildings) cover from other providers either via our direct
lsitings (recommended on the basis of more effective quality control
for a commercial product) or via a price comparison system.
In most cases, geting landlords insurance is not about
securing the lowest-priced quote. It's about finding the optimal
balance between cost and level of cover. In particular, the landlord
has a health and safety responsibility towards his tenants that ought
to be taken account of in the choice of landlords insurance
cover.
To return to our primary recommendation for landlords
insurance - and you can find out more via their link below - Endsleigh
has a long established pedigree over several decades of providing landlords
insurance policies and they have developed considerable expertise over
this period that has allowed them to refine their policies
to increasingly more effectively meet their client's needs. The
consumer obviously benefits form this expertise and specialisation.
Despite all of the above points, many favour the use of a price
comparison system for landlords insurance. If you choose to
go down this route, do expend some energy in carefully considering the
cover before purchase. 'No frills' cover aimed at the general home
insurance market tends not to meet the needs of landlords
insurance very effectively.
A good approach, in fact, is to work backwards (or forwards) from a
read through of our recommended landlords insurance cover
and to then decide whether this is right for you or which aspects you
would like to include from other providers.
For landlords insurance in particular, it's a mistake to
simply select the cheapest quote around, espeically if you do this
largely blind to the associated cover. For a commerical operation, even
more so than for private home insurance cover, you need to make a
carefully considered choice based on prudence rather than wishful
thinking that a claim might never be needed.