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What type of insurance do you need help with?


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  • If you are a landlord then we need to know about any claims you have made on properties you are letting out, this includes any properties that you have lived in at any one time but are now letting out. We also need to know about any subsidence, heave, landslip or flood regarding both the property and it's immediate surrounding area. As with all our insurance policies, we would also need claim dates, claimed amounts and a short explanation of what the claim was for.


  • Unfortunately the acceptance criteria required for our residential let product does not allow for those scenarios where the landlord is also residing at the property.

    However we may be able to offer you a quotation for a Home insurance policy. You can complete a quote online or call us on 0333 234 1556.


  • What is a company let agreement? 

    A ‘company let agreement’ (or ‘company let tenancy agreement’) is where a company or organisation has signed a residential tenancy agreement with a landlord, rather than an individual tenant. For example, a common scenario for a ‘company let’ would be where a company rents a property for one of their employees because they’ve had to relocate for their job.

    Can Endsleigh cover a company let agreement?

    Endsleigh is able to provide landlord buildings and contents insurance for company let tenancy agreements, however there must be an agreement in place between the company and the tenant, as well as a formal tenancy agreement between the company and the landlord.
    If you want to take out rent guarantee insurance for your company let property, depending on your insurer you will likely be required to run a credit check against the company renting the property as a minimum, as this will ensure they are solvent and can afford the rental amount.

    What about commercial tenants?

    Endsleigh is also able to offer commercial landlord insurance for properties that are let to commercial tenants, for example, a property that is occupied as a shop downstairs and a residential flat upstairs.

    Commercial risks can be complicated, and therefore landlords require slightly different cover for these properties. Commercial property insurance can include:

    • Commercial buildings and contents insurance, including the option to add cover for shop front glass
    • Property owners’ liability insurance
    • Commercial legal expenses
    • Loss of rent cover
    Find out more about commercial property insurance.

  • We are unable to provide you with this information, it is down to you to find out the age of your building.  

    If you are in the process of buying the house, ask your seller or their agent.  As part of a sale, the seller must complete a 'Seller's property information form' which may contain the property's age.  If you have a mortgage, your survey may say how old the building is or your local authority may have a record of when planning permission was granted.  If you are renting then it is likely your Landlord will have this information to hand.

    If you have an older house, you could:

    • Search the 1862 Act register on Land Registry's digital archives. It contains information on 2000 properties, which you can search for free.

    • Look at the architectural style and features of the house, particularly the roof and position of the windows. The Valuation Office Agency gives tips on estimating the age of a property using such details.

    • Check your parish records, county record offices or your local library which may have local archives.

    • Check historical editions of Ordnance Survey maps.

    • Contact a local history society to see if they can help you.

    • Look at census returns made at ten year intervals between 1841 and 1911 to find a first mention of the address.


  • We will calculate your renewal premium approximately 28 days before your renewal is due. Your renewal documents will appear in your online account at least two weeks before your renewal date, you will be alerted by post to your correspondence address and also by email if you have provided us with a valid email address. You can renew easily using our 'one click' service, in your online account just follow the link in the renewal communications.

    To access your account sign in here.

    Please check your stored card payment information carefully and contact us if you need to use a different method of payment for your premium (or if we don't have previous card details). Please note that if we are unable to collect the premium payment from your card your policy will not renew.

    Once your policy expires or if you need to make changes to your details or the cover you need, you'll need to call our contact centre.



  • The rebuild value of the property is the potential cost of reinstating the property to its former standard following a total loss. The value should include costs associated with any necessary demolition and clearance of debris, along with rebuilding the main structure and any outbuildings.

    It is your responsibility to ensure that your property is adequately insured up to its full rebuild value. This is best established through hiring a chartered surveyor, but there are also some useful online calculators that can be used for free guidance such as the Association of British Insurers.  


  • As part of Howden, our specialist team may be able to offer cover for your unoccupied rental property. Get in touch with Howden to find out more.

    If you are an Endsleigh non-standard home insurance customer, please note that your unoccupancy terms may differ if you have a landlord insurance policy with us pre-dating July 2020 (policy numbers usually beginning with ‘LA’, ‘LG’, 'LE', 'LZ' or 'LX'). Please check your policy documents for full terms and conditions.

    Find out more about unoccupied house insurance.


  • While we offer landlord cover for single property and student landlords, if you have multiple properties then our landlord portfolio insurance may be a better fit. They can also quote for blocks of flats and commercial properties. Please call 0333 234 0039 for further details.

    Find out more about landlord portfolio insurance. 


  • Yes. Smaller blocks, where you own or lease of all the flats in the block, and not simply the freeholder, can be covered on our residential property owner's policy.  The flats will need to be let and must comply with the acceptance criteria of the policy.

    For larger blocks, and residential management companies, please speak to our Property Investors & Commercial Landlords department for details of specialist cover available. Please call 0333 234 0039 for further details.

    Find out more about buildings insurance for flats.


  • Yes, we can provide up to £7,500 cover for trace and access under our landlord insurance policies. This does not include cover for loss or damage to the heating or water systems.

    Please note that your cover for trace and access may differ if you have a landlord insurance policy with us pre-dating July 2020 (policy numbers usually beginning with ‘LA’, ‘LG’, 'LE', 'LZ' or 'LX'). Please check your policy documents for full terms and conditions.

    What is trace and access?

    ‘Trace and access’ is provided under a property insurance policy to cover the costs of detecting and repairing the source of a water leak.

    Endsleigh’s landlord insurance will pay the cost of finding the source of any escape of water from any fixed water or heating installation or washing machine, dishwasher or tumble dryer, including subsequent repair to walls, floors or ceilings.

Haven’t found what you’re looking for? Please call us on 0333 234 1552 to speak to one of our consultants. Alternatively, visit our contact centre and we’ll get you through to the right place.

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