Student landlord insurance
Specialist insurance for student landlords - includes cover for extended unoccupancy, malicious damage and more.
tel: 0333 234 1552
What does student landlord insurance cover?
We provide high quality and reliable insurance cover that reflects both our heritage within the student sector and our expertise in the rental property sector. The following covers can be included as part of our student landlord insurance policy:
Buildings and contents insurance
Cover your buildings up to £1,000,000, and contents from £5,000 up to £60,000 - including occupiers' liability up to £2 million.
120 days extended unoccupancy cover
Exclusive for landlords with student tenants. Receive extended cover for your rented property if it's unoccupied for up to 120 days while your student tenants are home for the holidays.
Property owners’ liability cover
Up to £5 million cover for any costs or damages as a result of an accident on or related to your property.
Loss of rent and temporary accommodation
If the property is damaged or uninhabitable due to an insured event, such as a fire or flood, our student landlord insurance will cover the loss of rent and provide any necessary temporary accommodation
Theft, malicious damage or vandalism by tenants
If you're concerned that your new tenants might damage the property, our student landlord insurance automatically includes up to £25,000 for malicious damage by tenants.
Replacement locks if a tenants’ keys are lost or stolen
External door locks will be replaced if your tenants' keys are lost or stolen, ensuring the safety of your property and belongings.
What is student landlord insurance?
Student landlord insurance is specialist cover that protects properties with student tenants.
It provides various elements of cover for the landlord such as buildings and contents insurance, extended occupancy cover, property owners' liability and more.
Specialist student landlord insurance cover is usually needed because of the higher risk that comes with renting to students. A specialist panel of insurers will be used to provide cover based on your specific needs.
Student landlord insurance FAQs
Learn more about student landlord insurance.
Does it really matter what type of tenant I let my property to?
Generally, yes it does. Risk is important when it comes to insurance. And unfortunately, some tenants are higher risk than others. That doesn't mean you can't let to them though.
It’s important to let us know what types of tenants you’re letting your property to when you get a quote - then we can tailor student landlord insurance just for you.
Why Endsleigh for student landlord insurance?
As specialists in student insurance, we've learnt a great deal about students and how to support them over the years. And as experts in the landlord market, we understand the risks you face every day. We work closely with leading underwriters to shape insurance for your needs.
Why do I need different insurance if I rent to students?
Not all insurers are able to cover student lets due to the higher risk involved. This is why specialist student property landlord insurance exists. This is just like regular landlord cover, but tailored to landlords who provide student accommodation.
Finding specialist student landlord insurance policies isn't typically difficult, but you'll likely need to work with a specialist insurance provider, like us. We'll work with you to understand your needs and speak with a panel of insurers to get you the right cover.
How detailed should a property inventory be?
A property inventory should be as detailed as possible.
It's best to create an inventory before you rent out your property. Break things down room by room and consider things like furniture and belongings and detail their condition.
There are lots of free inventory templates available online, or you can just create your own from scratch.
A building valuation will provide an accurate reinstatement cost for your property giving you the information you need to request the right amount of cover from your broker.
BCH is a RICS-regulated company that provides building insurance rebuilding cost valuations via desk-based e-valuations or site-based reinstatement cost assessments (RCA).
Find out more about building insurance valuation services today.
If you're a multi-property landlord, you can cover your whole portfolio on one policy with multi-property landlord insurance.
This means all your properties would be under one policy - with one insurance renewal date. Saving you a lot of time and hassle throughout the year. It could also be more cost-effective.
If you have multiple properties to cover, speak to our team when you get a quote.
Interested in student landlord insurance?
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Specialist landlord insurance from Howden
Comprehensive landlord insurance for more unique homes from Howden.
Need to contact us?
Our friendly team are ready to talk to you:
Monday-Friday: 9am - 5pm, Saturday and Sunday: Closed
Call us on 0333 234 1552