Student landlord insurance
Single property?
Specialist insurance for student landlords. Cover a single property with Endsleigh online within minutes.
Multi-property?
Cover your whole student portfolio with Protect My Let – also part of Howden.
Call us now on 0333 234 1552
What does student landlord insurance cover?
There are many elements included with a student landlord insurance policy. These can include:
Buildings and contents insurance
Cover your buildings and contents together on one policy.
Extended unoccupancy cover
Extended unoccupancy cover for your rented property prior to letting, or while your student tenants are home for the holidays.
Property owners’ liability cover
Cover for 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, 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, student landlord insurance include cover to protect you in these circumstances.
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 your insurer know what types of tenants you’re letting your property to when you get a quote - then they can tailor student landlord insurance just for you.
Protect My Let are a team of experts in landlord insurance (and real people!) who are dedicated to finding you the best landlord cover at the right price.
Just like Endsleigh, Protect My Let are a part of Howden. We’ve joined forces with them to get you the best service possible.
You can still cover single properties with Endsleigh – getting a quote in minutes.
And now you can also cover your whole portfolio with Protect My Let.
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, or Protect My Let.
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, click ‘Get a multi-property quote’ and speak to the team.
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.
Interested in student landlord insurance?
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