Landlord house insurance

When using the term landlord house insurance you should be careful what type of policy you are receiving. In the insurance industry there are two different types of policy that may be provided if you request this as you are using a combination of words that relate to two separate policies. Both policies are covering different things so it is important you request the right type. We will now explain the key differences.

Landlord insurance

A landlord insurance policy will cover your property on the basis of you letting the property to a tenant. It means you are the property owner but someone other than yourself lives in the property under a tenancy agreement. The policy would normally provide be able to provide cover for the building itself and/or the contents you leave in the property (it would not cover the tenants contents).

House insurance

A house insurance policy will cover your property on the basis of you living in the property yourself. If you are the property owner and live there as well, this is the policy you would require. A typical policy would cover the building itself and/or your contents within the property.

As you can see from these examples, you should be careful if requesting landlord house insurance as either of the above policies may be provided. If you are given the wrong policy it may cause problems if you come to make a claim and could even invalidate your whole policy.