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As a landlord though, the risks you face are multiplied several times over: you could experience substantial losses if the building itself is damaged; you risk malicious damage or unpaid rent from tenants; and you may want to insulate yourself against the risks of tenants suffering uninsured losses of their own.

In general though, the causes of those risks are the same, ranging from natural disasters, fires and floods, to unauthorised access, burglaries, arson and so on.

So knowing how to insure against these risks at the right level can be challenging - do you take out the same cover as if you were living in the property, or do you arrange extra cover to account for your tenants' possessions too?

Our expert team can help you to understand which risks apply to you to varying extents, and what the best insurance policy is to protect you against them.

We can offer:

All risks building cover. Protect your building just as you would if you were living in it, against threats both from outside and from malicious tenants.

Property owners/Public liability insurance. Don't be left out of pocket if you are held accountable for an incident inside the building - remember as a rental property, it is akin to a workplace in terms of your obligations to your tenants.

Employers liability insurance. In some instances the tenants may be direct employees of yours, making it even more important to protect against the financial cost of accidents and incidents.

Legal expenses cover. Again, if an incident leads to court action, you can protect against the financial impact of mounting a case or defending yourself.

Landlords contents. In partially or fully furnished properties, ensure the items that belong to you are protected against damage or theft.

Loss of rent. Protect your ongoing income against tenants who 'do a runner' without paying off their rent arrears.