Landlord Insurance (Buy to Let)

Landlord insurance is probably what we would class as our ‘bread and butter’. We have an abundant pool of insurers and exclusive facilities to cater for a whole range of different property owners insurance requirements.

We can assist with the following:

  • Landlord insurance
  • Landlord Contents insurance
  • Commercial Let Insurance
  • Residential Let Insurance
  • Industrial Property
  • Flats Insurance (Block Insurance)
  • Unoccupied - awaiting tenants, pending sale, under probate, under structural renovation/conversion.
  • Airbnb Insurance
  • Mixed Property Portfolios
  • Residents Association Directors’ & Officers’ Liability including company cover with Nil Excess
  • Engineering and Inspection cover for elevators, stair lifts, boilers and water pumps etc
  • Landlords Legal Expenses
  • Rent Arrears Insurance (Rent Guarantee)
  • Landlords Home Emergency

So what can we cover for you? To name a few...

  • The buildings including fixtures and fittings
  • Your landlord’s contents including carpets, furniture and white goods
  • Loss of rental income in the event of an insurance loss
  • Alternative Accommodation costs for your tenants
  • Up to 90 day unoccupancy clauses
  • Trace & Access cover to source damage (e.g. burst pipes).
  • Your legal liability as a property owner up to £2m, £5m and £10m
  • Malicious Damage by tenants
  • In some cases illegal drug cultivation by tenants
  • Employers Liability for regular care takers, gardeners and maintenance staff
  • Terrorism

Are you seeking cover for a complex or non-standard enquiry? Not a problem, we can help! If your property has suffered subsidence, been underpinned, flooded, had an adverse claims history or is of non-standard construction then we have access to specialist markets who will consider these risks. Whilst on rare occasions we may not be able to offer cover, we will always ensure that we have exhausted all avenues. We don’t like to be beaten!

We’d love to help you with your Landlords Insurance, contact us or request a call back and get covered today!

How we add value...

We work with you to identify, measure, manage, reduce and eliminate risks to your business. This in turn will help limit the chances of suffering a loss and will often result in premium discounts.

We often highlight risk exposures that you were not even aware of.

We act as your agent and working for you in the event of a claim. We are there to remove the common anxieties and burdens that are associated with making a claim. Limiting disruption to your business and daily life is important to us.

You’ll receive a personal service

Regardless of size, we believe every client should be treated with the respect and provided with the service they deserve. Buying insurance can be a daunting and time consuming task, that’s why we work closely with you to understand your needs and make the whole experience of reviewing your insurance a pleasant and seamless one. Every client matters to us!

We are independent and impartial

John Whippy Insurance Brokers are completely independent and are not tied to any one or limited panel of insurers. As one of our 5 pledges to you, we will transact business with your best interests in mind. In other words we will carry out an independent market analysis on your behalf and offer the best value for cover we can from our extensive range of insurers.

How we transact business

Upon completion of our full market review we will present the options to you so you can make an informed decision. Our sales are on an advised basis which means we will make recommendations to you based on your requirements, be it price, cover, insurer background or coverage flexibility etc. We don’t over or under sell, we just offer you what you need.

No Call Centres! Deal with the same individual and build trust!

No numbered options, pre-recorded messages, repeating conversations or scripted questions. Our staff are professional and will seek to establish your requirements through open, honest and genuine conversations. We believe it’s important to listen to what is important to you! We can communicate with you by telephone, e-mail or we are happy to arrange face to face discussions and visit you.

Don’t pay over the odds!

Challenge us to beat your renewal premium and work closely with one of our experienced, knowledgeable and qualified team members. Contact us or request a call back to get professional advice and obtain valuable insurance cover at competitive premiums!

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