Landlord insurance, otherwise known as buy to let insurance, will cover against disasters, such as fire, natural disaster or third party (i.e. a vehicle crashing into your property).

For example, your property could be damaged by fire and rendered uninhabitable, forcing your tenants into alternative accommodation while builders and decorators carry out repairs.

In this circumstance your landlord’s insurance policy would not only pay for all of the work to make good the property but also pay you the rent that you missed out on by not having tenants living in the property during this period.

As with all insurance policies, conditions and exclusions will apply.

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