Protecting your Let Property
It can be surprising how many insurers refuse to provide home insurance if you let your property or let a room to a lodger. Its important you obtain the right cover for your property when you choose to rent it, or part of it out.
Our let property insurance is tailored to fit your specific needs, covering both the building and its contents*. It is important to note that the possessions of tenants fall under their own responsibility. As such, we highlight the necessity for tenants to arrange their own contents insurance to protect their personal items.
- Let Homes: whether it's short-term or long-term let, we can help
- Lodger Accommodation: permanent or short term lets to paying guests
- Comprehensive cover for various property types and rental situations
- Streamlined quote process tailored to your individual circumstances
An Intelligent approach to Let Property Cover
Intelligent Insurance approaches Let Property Cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.
This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.
We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.
What we provide
What isn't included?
- Caused by wear, tear or gradual deterioration
- That occurred before the policy started
- Caused by vermin, insects, pets
- Caused by dishonest, wilful or deliberate acts
- Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
- you are only covered up to the maximum claims limits shown on your schedule
- you are responsible for any excesses stated in your policy
- any exclusions or restrictions shown by endorsement in your schedule
Let Property Cover Levels
-
Buildings Insurance
Cover for the main structure of your home if you need to repair or rebuild it
Up to £1 million -
Contents Insurance
New for old cover for belongings kept in your home
Up to £100,000 -
Alternative Accommodation
Covers the costs for you and your family including pets to live elsewhere while your home is undergoing repair after an insured event
Up to £50,000 -
Trace and Access
Replacement and repair to any parts of the building that are removed when tracing escape of water
Up to £5,000 -
Family Legal Protection
Cover for legal expenses (whether prosecuting or defending). There is a £100 excess.
Up to £25,000 -
Home Emergency Cover
24 hour immediate assistance from a professional electrician, plumber or other specialist following certain emergencies in the home included as standard.
Up to £250 per call-out -
Family Legal Protection Plus
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Optional -
Accidental Damage
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
Optional
Frequently Asked Questions on Let Properties
Yes, at Intelligent Insurance our let property home insurance takes into account your circumstances. Whether you own a single-family home, a house share, or a property left unoccupied for extended periods, our policies can be adapted to the situation.
A House in Multiple Occupation (HMO) is a property with three or more storeys and five or more residents. If your property fits this definition, you must obtain an HMO licence from the local council.
If your property remains unoccupied for more than 30 to 60 days, it’s advisable to consider unoccupied insurance cover. This specialist cover is designed to address the unique risks associated with vacant properties, ensuring you have the appropriate protection during extended periods of non-occupancy.
Still have questions? Visit our help centre
Arranging Let Property Insurance
At Intelligent Insurance, we go beyond standard insurance, providing tailored solutions that align with our customers individual circumstances. Get a quote today today for Let Property insurance.
Intelligent by name, intelligent by nature.
Key Features Include:
- Defaqto 5-Star Rated
- Tailored Solutions for Diverse Properties, including holiday lets
- Get your quote online in under 10 minutes
Get an online quote for your Let Property Insurance, tailored to your needs
For help with your quote, use our online chat to speak with a member of our team
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
Home Insurance Specialists names you can trust
