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Landlord Insurance

Landlord discussing his insurance needs with the Marsden.

Partnering with Uinsure means we can offer their award-winning landlord insurance to those with buy to let properties. With a 5-star rating from Defaqto, their landlord insurance features a buildings cover limit of £1,000,000, up to £35,000 contents cover and £2,000,000 landlord’s legal liability provided as standard.

Award-winning landlord insurance

Whilst their standard policy includes a wide range of comprehensive benefits, listed below, cover can be extended further with optional extras including Landlord Legal Protection and Rent Guarantee Cover, and Let Home Emergency Cover. Full details of cover, exclusions and restrictions can be found in Uinsure’s Policy Wording (PDF).

Defaqto Landlord Insurance Rating

Landlord Insurance overview

As standard
Cover available in Limited Company name Tick icon
New for old replacement of items Tick icon
No cancellation or adjustment fees Tick icon
All repairs guaranteed for 12 months Tick icon
Only pay for the cover you want Tick icon
Buildings cover
Loss or damage to your building from specific events, e.g. fire, theft, storm, flood, subsidence, escape of water, etc. £1,000,000 (or £600,000 if it’s a flat)
Accidental breakage of fixed glass in doors, windows and greenhouses, sanitary fixtures and fittings and solar panels Tick icon
Accidental damage to your buildings e.g. putting your foot through a ceiling Optional
Malicious damage cover Optional
Theft from tenant Optional
Liability as the owner of your let property £2 million
Cost of alternative accommodation should your home become uninhabitable £200,000
Costs of sourcing and making good a leak in your property (Trace & Access cover) £10,000
Contents cover
Loss or damage to your building from specific events, e.g. fire, theft, storm, flood, subsidence, escape of water, etc. Up to £35,000
Fixtures and fittings for leasehold properties (if the building is covered by the managed service agreement but not the fixtures and fittings) Up to £35,000
Accidental damage to your contents, e.g. spilling wine on a carpet Optional
Malicious damage cover Optional
Theft from tenant Optional
Damage caused by the manufacture and harvesting of drugs Optional

What is not insured?

  • Any loss or damage caused by anything that happens gradually including wear and tear.
  • Loss or damage under a number of sections of your policy if your let property is left unoccupied for more than 60 days.
  • Loss or damage to gates and fences during a storm.
  • Loss or damage caused by a weather event that does not meet the definition of storm in the policy wording.
  • Loss or damage caused by chewing, scratching, tearing or fouling by domestic pets.
  • Uinsure will not pay for the cost of replacing other matching items in a pair or set if they are not lost or damaged.

Optional extras

Let Home Emergency Cover
Landlord Legal Expenses

Uinsure can also provide up to £1,000 cover for each Let Home Emergency. Cover includes:

  • Boiler and Primary heating system breakdown (they will also contribute £500 towards a new boiler if it cannot be repaired)
  • Plumbing emergencies such as burst water or a blocked toilet
  • Failure of electrical power, or water supply, and gas leaks
  • Failure or damage of any external lock, door or window
  • Lost or stolen house keys
  • Pest infestation

Uinsure can also provide up to £100,000 to cover legal expenses and up to £2,500 per month to cover unpaid rent as standard. Legal Expenses cover includes:

  • Breach of tenancy agreement
  • Pursuit of rent arrears
  • Eviction
  • Legal defence
  • Tax defence
  • Jury Service

Landlord Legal Expenses cover also includes a free 24-hour telephone helpline.

In partnership with Uinsure

Marsden Building Society acts as an introducer to Uinsure. Uinsure Limited is authorised and regulated by the Financial Conduct Authority (No 465689), Registered address: Uinsure Limited, Po Box 5524, Manchester M61 0QR

Uinsure Logo Purple
Smiling Marsden colleague on hand to help customers

We're here to help

We want to provide the best service possible, so if you have any questions, get in touch. You can contact us by phone, visit us in branch or email us – we’ll be happy to help.

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01282 440500