For Residential Property owners, insurance is an essential component to ensure that your property(ies) and staff are adequately protected.
The policy should include cover for buildings, property owners’ liability and legal expenses as owner or occupier of the property and should offer a range of optional extensions available to enable you to tailor the cover according to your needs.
Optional covers include landlords contents, employers ’liability, terrorism and extended legal expenses with higher limits available for property owners’ liability.
✓ Buildings
✓ Contents
✓ Property owners’ liability
✓ Employers’ liability
✓ Terrorism
✓ Legal expenses
✓ Rent guarantee
Hoskin can source insurance offers with a range of cover sand caters for a variety of customers, from individuals who own one property, to investors who own multiple properties. These insurance policy`s are suitable for owners and landlords of residential properties who let out their residential property / properties to tenants with necessary tenancy and/or lease agreements in place. These products are considered suitable for the following property types:
✓ Blocks of Flats
✓ Grade II Listed or Equivalent
✓ Hall of Residence
✓ House of Multiple Occupancy (HMO up to 8 rooms)
✓ Portfolios
✓ Professional, Students & DSS
✓ Student Accommodation
✓ Multi Location Available
✓ Unoccupied Property
Insured Perils for Property
The following causes can be provided for as part of your buildings and landlords’ contents (if applicable) for the sums insured selected by you:-
✓ Fire, explosion, lightning or earthquake
✓ Riot, civil commotion, malicious persons & vandals
✓ Storm or flood
✓ Escape of water from any tank, apparatus, pipe or sprinkler installation
✓ Impact by any aircraft or other aerial devices, vehicle or any article falling from them or by animals
✓ Leakage of fuel oil, used solely for domestic purposes
✓ Theft or attempted theft by forcible and violent entry/exit
✓ Subsidence (applicable to Buildings only)
If you have Insurance you should periodically review the policy documentation and the cover provided to make sure that it continues to meet your needs and that you understand its terms, conditions, limits and exclusions throughout the duration of the policy.
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