Renting out an empty property can be a great way to earn an income, but it definitely comes with a number of risks that may end up costing you both time and money. Landlord insurance is there to make sure that your property, and any possessions you put in the property, are protected.
Endsleigh offers a wide coverage of landlord insurance policies, meaning that your needs will more than likely be met by one of its policies.
So, check out our guide to find out if Endsleigh Landlord Insurance has the policy for you.
Who is Endsleigh?
Endsleigh was created in 1965 by NUS to offer affordable and tailored insurance for students. It has since broadened its products to provide for professionals, commercial and business customers.
Endsleigh aims to provide affordable protection for the things that matter most to its customers.
Endsleigh Landlord Insurance is underwritten by Endsleigh Insurance Services Limited. It also relies on a panel of insurers for specific features of its landlord insurance including:
BGP Limited
Allianz Insurance Limited
Zurich Insurance Limited
Ecclesiastical Insurance Office plc.
For more details about who underwrites your policy, make sure you read your policy schedule.
What are my cover options with Endsleigh Landlord Insurance?
Endsleigh offers a wide variety of landlord insurances to meet your needs. They are listed below with a selection of their features.
Residential landlord insurance Renting out your property can sometimes be stressful, but with a residential insurance policy, all of your furniture and fixtures will be protected. So, no matter who your tenants might be, your possessions and property are safely covered. This policy’s features include:
Cover for up to four properties on one policy.
Save 15% when you buy online.
You can shape your cover to fit your needs.
Commercial property insurance Do you have an empty property that you want to lease for business use? A shop, or maybe a restaurant? Well, it’s still important for you to have landlord insurance for your commercial property. This policy features:
Cover in case your property is unoccupied.
Commercial legal cover.
Cover for a large range of tenants, from restaurants to offices.
Landlords portfolio insurance Do you have a mix of residential and commercial properties that need insuring? Or do you have a single property that has both commercial and residential functions? With Endsleigh, you can get them all insured on one policy. This policy includes:
Insurance for five or more properties on a single policy.
You can insure a mixture of property types.
Flexible change for the future.
Block of flats insurance If you own a block of flats and are wanting to rent them out to tenants, you can insure them all on a single insurance policy. This policy features:
Policies specifically designed for flats and apartments.
You can put single or multiple properties on one policy.
A UK based specialist property team to help you with your policy and any of your needs.
Non-standard landlord insurance Do you have a holiday home that you need to insure? Or maybe a property that has a non-standard construction? You can get all your cover needs met with this policy. This policy includes:
Cover if your property has no occupants.
Cover for non-standard and specialist properties.
Policies to shape and suit your needs.
Rent guarantee insurance Sometimes the unavoidable happens and your tenants are unable to pay their rent, which means you’re out of pocket. However, with this policy, you will be covered if your tenants fall behind with their payments. This policy includes:
Cover for a 6 or 12 month period.
Legal expenses cover if your tenants can’t meet their rental commitments so you don’t lose your income.
Two levels of cover are available.
What is covered under my policy?
Cover
Residential insurance
Commercial insurance
Landlord portfolio insurance
Block of flats insurance
Malicious damage caused by tenants
✔️
✔️
✔️
✔️
Buildings cover
✔️
✔️
✔️
✔️
Property owners’ liability
Up to £5,000,000
Up to £10,000,000
Up to £10,000,000
–
Loss of rent
✔️
–
✔️
–
Damage from subsidence
✔️
–
–
–
Alternative accommodation for tenants
–
–
✔️
✔️
Replacement keys and locks after theft
✔️
✔️
✔️
–
Pipe damage
✔️
✔️
✔️
–
Contents cover for items you provide for your tenants
✔️
✔️
✔️
✔️
Occupier’s liability cover
Up to £2,000,000
–
–
–
Unoccupancy cover
–
–
✔️
✔️
Theft of items from garden or outbuildings
✔️
–
–
–
Damage to contents from water leakage
✔️
–
–
–
Accidental damage cover
Optional
✔️
✔️
✔️
Home emergency cover
Optional
–
Optional
Optional
Legal expenses cover
Optional
✔️
Optional
Optional
Employers’ liability insurance
–
Optional
Optional
Optional
Terrorism cover
–
Optional
Optional
Optional
Extended legal expenses cover
–
Optional
Optional
Optional
Engineering and inspection cover
–
Optional
Optional
Optional
Rent guarantee
–
–
Optional
Optional
Cover for non-standard property types includes:
Holiday homes
Thatched and high net-worth homes
Unoccupied properties
Non-standard construction
Non-standard use
Properties affected by subsidence, landslip, heave or flood
Optional extras include:
Home emergency cover for heating, drainage and sewerage
Rent guarantee
Extended legal expenses cover
Terrorism cover
Engineering and inspection cover
Rent guarantee policy includes:
Cover
Standard
Gold
Recovery of rent arrears
A maximum of 5 months
A maximum of 5 months on a 6 month policy or 11 months on a 12 month policy
Legal expenses cover
Up to £15,000
Up to £50,000
Disputes relating to repossession and eviction
✔️
✔️
Disputes relating to the recovery of rent arrears
✔️
✔️
Legal costs and expenses for rent arrears and eviction
✔️
✔️
Property damage, nuisance and trespass cover
–
✔️
Accommodation expenses cover
–
✔️
What is my excess?
Your excess is the amount of money that you will have to contribute when you make a claim.
The amount of your excess will depend on the claim you are making. Your policy schedule will have full details about your excess and the amount you will have to pay.
What is the claims process for Endsleigh?
If you find yourself needing to make a claim, you can call Endsleigh’s claims department or visit its website.
You can call on 0333 234 1688.
The hotline is in operation Monday to Friday, 9am to 5pm.
Or you can visit the website at https://www.endsleigh.co.uk/claim-centre.
Endsleigh Landlord Insurance pros and cons
Pros
A wide variety of cover is offered.
Easy access to policy documents online.
Cons
Administration fees apply.
Claims line is not in operation 24/7.
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