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Alan Boswell Group landlord insurance review

We’ve reviewed the landlord insurance through specialist broker Alan Boswell Group. It can cover buildings, contents and liability insurance for residential and commercial properties.

Although it’s not a legal requirement, landlord insurance could protect you if something goes wrong with your rental property. It could offer you the peace of mind that you won’t be out of pocket if the unexpected happens.

Alan Boswell Group offers landlord insurance that includes malicious damage as standard but can be enhanced with a number of optional extras such as landlord contents insurance, rent guarantee insurance, legal expenses and home emergency cover. Here’s what else we think you should know about this specialist broker.

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Who is Alan Boswell Group?

Alan Boswell Group was formed over 35 years ago as a specialist broker. It sources a range of private insurance products for the car, boat and high-value home as well as commercial insurance such as complementary therapy, teachers and motor trade insurance.

Alan Boswell Group is authorised and regulated by the Financial Conduct Authority.

What is covered under my policy?

Alan Boswell Group’s landlord insurance includes a range of features that will vary depending on which insurer offers the policy. Some of the key features include:

  • All risks material loss or damage to building and/or contents
  • Malicious damage cover
  • Alternative accommodation
  • Loss of rent cover
  • Property Owners’ liability cover
  • Employer’s liability cover
  • Cover for unoccupied properties

For a full list of policy features, you’ll need to check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

  • Legal expenses cover
  • Legal and rent guarantee cover
  • Excess protection cover
  • Home emergency cover
  • Landlord content insurance

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

You’ll find details about any excesses in your policy document. The minimum excess with an Alan Boswell Group landlord insurance policy is £250 for general claims while there is a £1,000 excess for subsidence.

How much is this going to cost me?

There are a number of factors that can affect the cost of your Alan Boswell Group landlord insurance premium, including:

  • Your sum insured. The greater the amount you wish to insure your property or contents for, the more you can expect to pay for cover.
  • Your property. The age of your property and the materials from which it is constructed can influence its ability to withstand damage.
  • Where your property is located. Certain risks, for example, storm and theft, are more prevalent in certain areas, and insurers will take this into consideration when calculating your premiums.
  • Security. Security measures such as an alarm system and deadbolts can act as a deterrent to thieves and therefore reduce the cost of your cover.

What is the claims process for Alan Boswell Group?

You can call the Alan Boswell Group claims line on 01603 218099 to make a claim on your landlord insurance. If your claim is an emergency, you should refer to your policy document for your insurer’s specific emergency claims line number.

Depending on the nature of your claim, you will need to have the following information to hand:

  • Your policy details and personal contact details.
  • The date of the incident.
  • Details such as the cause of the incident.
  • The value of any lost or damaged items being claimed for.
  • Names and addresses of any other people involved or responsible for the incident, including details of injuries.

It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.

Alan Boswell Group pros and cons

Pros

  • Landlord insurance can cover a wide range of properties and tenant types.
  • Landlord insurance can be enhanced with optional extras.

Cons

  • You may be charged a cancellation fee if you terminate your policy.
  • Claims line is not open 24/7.
Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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