Renting out a property brings great opportunity, but also risk. Whether you own a buy-to-let in Bracknell or manage a rental flat in Guildford, landlord insurance is essential for protecting your investment.
Here’s what landlords in Surrey and Berkshire need to know about getting the right cover.
What Is Landlord Insurance?
Landlord insurance is a specialist policy that protects your property and income against risks like:
- Accidental or malicious damage
- Loss of rent due to uninhabitable conditions
- Legal costs from tenant disputes
- Liability for injury on the premises
- Emergency repairs and property maintenance cover (optional)
It’s different from standard home insurance, which may not cover tenanted properties.
Is It a Legal Requirement?
While landlord insurance isn’t legally required, most mortgage lenders insist on it, and it’s strongly recommended to protect against financial loss.
If you don’t have cover and something goes wrong, such as a flood or fire, you’ll be responsible for all costs.
What Should You Look for in a Policy?
Every property is different, so your insurance should reflect that. Key things to look for include:
- Buildings insurance – covers structural damage (e.g. roof, walls, fixtures)
- Contents cover – for any furniture or appliances you provide
- Loss of rent cover – if the property becomes uninhabitable
- Accidental & malicious damage – including tenant damage
- Liability cover – if someone is injured at your property
- Legal expenses – support for disputes or evictions
Make sure your policy includes the right level of cover for your property type and location.
How Can Property Managers Help?
A professional property management company can help you understand your responsibilities, recommend trusted insurers, and even manage claims on your behalf.
At Christopher Anthony Property Management Experts, we support landlords across Surrey and Berkshire in choosing the right cover and keeping properties protected year-round.
Contact Christopher Anthony Property Management Experts today for local expertise and hands-on support.
