Student Landlord Insurance
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What is student landlord insurance?
Student landlord insurance is a specialist type of cover for landlords who rent to students. It will protect your property in the event of perils such as fire, flood and theft.
With our extensive panel of insurers, we are able to include full accidental damage, malicious damage and landlord liability for up to 10 students sharing one property.
What does student landlord insurance cover?
You can tailor your landlord insurance policy depending on what you'd like to be covered for. The more cover you include, the higher your policy premiums will likely be. The different levels of cover you can choose from include:
- Buildings only
- Buildings & contents
- Contents only (not including your tenant's belongings)
- Fixtures and fittings
- Full accidental damage
- Loss of rent
- Alternative accommodation
- Property owner's liability
- Unoccupied property cover
- Legal protection
- Malicious damage caused by tenants up to a maximum of £5,000
- Theft by tenants up to a maximum of £5,000
- Malicious Damage & Theft By Tenants
- Trace & Access Cover (most policies)
- Landlord Legal Expenses
- Legal Expenses
Do I need landlord insurance for student lets?
Students are higher-risk tenants since there are more people sharing the property and their tenancy is for shorter periods of time. When students move to university, it's often the first time they have lived independently. Therefore, they may be less aware of potential dangers and damage to the property.
It's not a legal requirement to have landlord insurance, although it is wise to take out cover to protect your investment. Insurers recognise that students are high risk so you may not be covered with generic landlord insurance. Therefore, take out a specialist student landlord insurance policy.
What should I do if the property becomes unoccupied outside of term time?
CIA offers a 60 day un-occupancy clause which fully covers your property for up to 60 days without tenants living there. After 60 days, the policy is still valid but the cover reduces to major perils such as fire, lightning, explosion, impact by aircraft and subsidence in some cases.
As a landlord, it's your responsibility to complete required property checks and keep a record of your visits.
Advice Centre for Landlords
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Renting to students can be incredibly profitable. There were a staggering 2.66 million students in UK higher education institutions in the academic year 2020/21. With this in mind, student landlords will rarely experience a shortage of people making inquiries and registering their interest in renting your property! On the other hand, renting to students comes […]
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