Main menu
Letsure Insurance on line

Advertising

Building's InsuranceHome Page
Disability Discrimination Act 2005 in rental property
Tenancy Deposit Scheme (TDS) UK
Electrical Safety in Dwellings
Energy Performance Certificates for rental property
Gas Safety in Rental Properties
HMO's Houses in multiple occupation
How to present your rental property
How Not to present your rental property
Advice for landlords letting their property
How Do I Let My Property
Buy to Let - UK
Buy to let - Europe
Selling your Property
Landlord Rental Info
Tenants Rental Info
Renting in Ireland
Lettings jargon
Property jargon
Building Jargon
Movers check list
Property Misdescriptions Act 1991
Property Articles
Property Portals in the UK
Student Rental & Student insurance
Condensation problems

Buy to let let mortgage

Rental Property Insurance for Landlords & Tenants

Landlord - Tenant - Student Insurance

Property - Rental - Car - Student insurance

Holiday Rentals

How to market a holiday home
Letting your holiday home
Renting a holiday home? Renters Advice
Northern Ireland Insurance Services via jml insurance

Holiday Home Property Insurance

Car Rental 

Car Rental Excess Insurance

jml Group Profile

Professional Property Organisations

 

 

Letsure  Tenant Insurance –  Letsure Landlord Insurance

Rental insurance - Letsure offering insurance products for Landlords and Tenants.

Letsure Landlord Insurance and Tenant Insurance & Holiday Homes UK

Letsure Landlord insurance Click for Landlords Household Quotes

 

Letsure Tenants insurance Click for Tenants Contents Quotes

 

Letsure Landlords Rent protection insurance Click for Legal Protection Quotes

 

Letsure Landlords Legal Protection Click for Legal Protection Quotes

 

Letsure UK Holiday Homes insurance Click for Legal Protection Quotes

 

 

Solutions for Landlords  from Letsure Low Cost Landlord Insurance for the UK  

They  are a specialist provider of Landlord insurance products and risk management services to the lettings industry.

  • Buildings and Contents
  • Rent Protection
  • Legal Protection
  • Tenant Assessment
  • UK Holiday Homes

__________________________

Landlords' Household Insurance

 

Landlords face unique risks when letting out property, so protecting your investment against the unexpected is a prudent step. Landlords Household Insurance covers:

  • Buildings insurance (if required)
    • up to £400,000;
  • Contents insurance (if required)
    • up to £40,000 for furnished property;
    • or up to £5,000 for unfurnished property (covers carpets, curtains, domestic kitchen appliance, light fittings and sunblinds)
  • Loss of rent as a result of insured event
    (up to 20% of the sum insured on buildings and /or contents)
  • £2,000,000 public liability cover
  • £5,000,000 employers liability cover
  • Protection against damage caused by the tenants
  • Accidental damage cover options available
  • Full cover for property unoccupied between lets (subject to conditions)
  • Monthly premium payment option (subject to acceptance- Service charge applies)
  • Insurance premiums are a tax deductible expense

Landlords Household Insurance is accepted by mortgage lenders

Letsure Landlord insurance              Click for Landlords Household Quotes

 

Top of Page

__________________________

Rent Protection Insurance  

Tenants can fall into arrears for many reasons, even those with favourable references. Can you afford to lose monthly income?

In an uncertain world, it's good practice to obtain protection. Tenant's circumstances can change for any number of reasons, so it's prudent to minimise the risk to your income. Rentsure Silver can assist to protect your rental income. The insurance provides:

  • Rent Guarantee Insurance; protection to pay the monthly rent for up to 12 months on breach of tenancy agreement
    • 100% of the rent paid until full and vacant possession is obtained
    • 75% of the rent paid for up to 2 months once full and vacant possession is obtained until the property has been re-let
  • Covers monthly rents up to £5,000 (or higher upon request)
  • Covers Legal Costs:
    • to obtain possession of the property on breach of the tenancy agreement
    • to defend a Legal Action brought against you by your tenants
    • to remove squatters
  • Pays the cost of alternative accommodation up to £50 per day or a maximum £1,500 per claim
  • Cover is only available for properties to be insured within England, Scotland or Wales
  • Insurance premiums are a tax deductible expense

A Letsure Comprehensive Tenant Assessment will satisfy all the referencing requirements of Rentsure Silver Insurance

Letsure Rent protection insurance Click for Legal Protection Quotes

Top of Page

__________________________

Legal Protection Insurance

Disputes with tenants can be costly. Don't be faced with the unexpected expense of solicitor's fees. Letsure Legal Protection Insurance can provide you with invaluable protection.

Legal Protection Insurance covers your property against risks such as the legal costs that may arise if your tenant(s) breach the terms of their tenancy agreement with you by providing cover for legal expenses and disbursements. The policy provides:

  • Legal expenses cover, up to £50,000 per annum, for disputes over unpaid rent and damage to property (subject to the minimum amount in dispute exceeding £250)
  • Assistance to trace 'gone-away' tenants
  • Cover is only available for properties to be insured within England, Scotland or Wales.
  • Insurance premiums are a tax deductible expense

Letsure Legal Protection                     Click for Legal Protection Quotes

Top of Page

__________________________

Holiday Homes Insurance

Whether your property is a second home or an investment, they have one thing in common – the need for specialist insurance. We can offer you an insurance policy which provides comprehensive property insurance especially for second homes or homes rented out as holiday lets.

Holiday Homes Insurance from Letsure provides comprehensive property cover for most types for properties. (Cover is not available for mobile homes or chalets).
Cover can be arranged for the Buildings, Contents or both:

  • Buildings (minimum sum insured) £40,000
  • Contents (minimum sum insured) £10,000
  • New for old cover on contents (except clothing and linen)
  • Cover for theft and malicious damage, (not by tenants) even whilst a property is unoccupied (subject to policy terms and conditions – see main conditions below)
  • Damage to the property, its outbuildings and swimming pools as a result of subsidence
  • Property owners liability up to £2,000,000
  • Employers liability for domestic staff
  • Monthly premium payment option available (subject to terms and conditions – service charge applies)

Holiday Homes Insurance is accepted by mortgage lenders.

Letsure Holiday Homes                       Click for Legal Protection Quotes

Top of Page

__________________________

Tenants insurance

 

Tenants Contents Insurance from Letsure is designed to cover the type of problems that can crop up when renting a property, including protection if you are found to be liable for injury to other people.

You might be surprised to know that your landlord cannot be responsible for insuring your possessions or that you could even be liable for any damage you cause to your landlord’s goods. To provide you with a solution, we offer contents insurance specifically designed for tenants.

Tenants Contents Insurance covers:

  • Cover is available up to a sum insured of £30,000 online. Should you require a higher sum please contact us on the number above.
  • new for old cover;
  • accidental damage cover (optional);
  • include your landlord's goods up to £2,500 (with accidental damage cover option);
  • employers liability cover;
  • personal and occupiers liability cover;
  • contents covered whilst moving home if professional removers are employed;
  • cost of alternative accommodation paid (up to 20% of the contents Sum insured) if your home becomes uninhabitable following an insured occurrence.
  • cover is available for personal possessions normally carried or worn, away from the home, extends to worldwide cover for up to 60 days a year
  • *monthly premium payment option available

* Subject to terms and conditions


Letsure Tenants insurance      Click for Tenants Contents Quotes

Top of Page

Jeffrey Milner Ltd T/A jml Property Services acts as introducers to  Letsure Ltd who is authorised and regulated by the Financial Services Authority (FSA). Letsure's FSA registration number is 313817.  Letsure Ltd Registered in England No. 03010153 - Registered address: 4-9 Highview, High Street, Bordon, Hampshire, GU35 0AX, England

__________________________

 

 

Top of Page

 

____________________________________________

Brief summary of Landlord Insurance

Brief summary of Tenant's insurance

____________________________________________

REMEMBER WHETHER YOU ARE A LANDLORD OR TENANT - YOU SHOULD HAVE SUFFICIENT INSURANCE COVER

Letsure?

Letsure provides specialist solutions for the lettings market, helping protect against the risks associated with property rental. Whether you are a tenant looking to rent a property, a landlord with a property to rent or are an Agent with experience in providing Letting services, we can provide you with the right solution for your insurance and letting needs.

Letsure Limited is authorised and regulated by the Financial Services Authority, Registration Number 313817 (www.fsa.gov.uk/register/). Not all products mentioned on this website are regulated by the Financial Services Authority

Registered Office: 4-9 Highview, High Street, Bordon, Hampshire, GU35 0AX. Letsure Limited Registered in England No. 03010153 VAT No: GB 243 9514 56

March 2009 - Letsure Property Insurance now available again via jml Insurance in the Uk - After an absence of 14 months when Letsure products could not be sold on line a new system is in operation and available via jml insurance...More Here

January 2009 - New Managing Director for Letsure- Barbon Insurance Group has announced the appointment of Ian Fraser as Managing Director for its Letsure division ( visit www.letsure.co.uk) - one of the leading suppliers of let property insurance solutions for tenants, landlords and agents...More Here

Top of Page

____________________________________________

Landlords' insurance cover: How much is enough?

Over insurance is pointless under insurance can be costly, so how do your clients get the balance right?

Individual circumstances differ. Someone letting their primary residence to go abroad may assume that existing household insurance can run on. Other purchasing an investment property intended for letting unfurnished may believe their requirements are minimal.

Clients must understand that a standard insurance policy may not be sufficient. Landlords face unique risks when letting property so need to think carefully about protecting their investment.

The first essesntial is adequate buildings covere where the property is insured for its full re-building cost, not for its market value. Depending on area and type of property re-building costs could be substantially lower - or even higher.Market value is driven by location whereas re-building is based on current contruction costs.

Underpinning the calculation of rebuilding cost is external floor area, a figure more than 90% of property owners do not know. If the property is new-build or recently purchased, it may be possible to find the rebuilding cost on the valuation report or mortage survey. Otherwise, a guide to assessing and calculating rebuilding costs can be found on the The Association of British Insurers' website www.abi.org.uk

Contents cover is dictated by whether the property is let furnushed or unfurnished. For furnished property, the client can eliminate guesswork by using the room by room inventory and putting an estimate of replacement costs against each item. The accumulated value of the contents may surprise them by being 20% or 30% higher than they assumed.

What about unfurnished property? This is still likely toinclude kitchen appliances,carpets and curtains. Landlords purchasing new investment properties will invariably find that kitchen appliances are built-in, in which case appliances and fitted units are covered by the buildings insurance. In this event, the amount of cover needed will be minimal.

Specialist landlords' household policies can provide both buildings and contents cover, with contents cover tailored to provide full cover for furnished or limited cover for unfurnished.A specialist policy will also look beyond protecting bricks, mortar and possessions. Elements such as protection against damage by tenants, full cover for property unoccupied betweeb lets, loss of rent as a result of an insured event and public and employer's liabillity cover are also options. And as your advice should extend to protecting the landlord's investment, you should also encourage rent and legal protection for unforseen situations where things can go wrong with a tenancy. Source: Tim Wakelin of Letsure December 2005

The above information has been supplied by Tim Wakelin of Letsure and that jml Property Services takes no responsibilty for its accuracy. December 2005

 

Top of Page

 

_________________________________________________

Don't forget to insure your property - If you are a Landlord or Tenant you should make sure that you have adequate insurance cover. 

As a Tenant you might be liable under your tenancy agreement for damage to your landlord's building and contents. It's worth checking your tenancy agreement for your own peace of mind.

As a Landlord you will normally have certain legal obligations and of course a let property is normally a very expensive asset and if it is not properly covered you could have a lot of financial problems.

It does not cost a lot to take out Landlord and Tenant insurance - DON'T FORGET IT. 

_________________________________________________

 

Top of Page

______________________________________

jml Property Services are members of the National Landlords Association in the UK and British Chamber of Commerce Cote d'Azur - France 

  ---

 

Landlord - Tenant- UK Holiday Home Insurance



Contact Us | Privacy Statement | Terms of Use | Site Map
Under UK FSA regulations jml Property Services are unable to give advice regarding insurance or assist with changes to insurance policies that you have taken out. You must contact the insurer direct.

jml Property Services - PO Box 80 - Princes Risborough - Buckinghamshire - HP27 0WA - England  - © 2001 - 2009 jml Property Services - All rights reserved