Compare landlord Insurance NI - Northern Ireland

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Landlord Insurance - Northern Ireland

Eamonn Turley Founder of Insurance Quotes NI

"Landlord insurance Northern Ireland can provide additional cover over and above building cover, a popular option is to include loss of rent cover which will provide replacement income if the property becomes uninhabitable under of the insured events, example fire."

A rental property is a massive investment, that should be protected from the unexpected, example fire or flood or even subsidence, Unfortunately disasters do happen, as such having your investment protected could be a very smart move. NI landlords insurance includes insurance for the building itself and can be extended to include contents insurance. It is important to note that this cover does not provide any cover for the tenant's belongings, but will cover your things like your carpets, furniture and white goods.

Getting multiple landlord Insurance Northern Ireland quotes will make it easier to compare what is currently being offered on the insurance marketplace. By completing one form, you will receive multiple quotes for landlord insurance specific to Northern Irish landlords.

landlord insurance NI

Are you a landlord? If so, you should consider liability insurance to protect yourself from claims by tenants. The policy you purchase should protect you from expensive damages and legal costs in case a tenant makes a claim for property damage or personal injury resulting from incidents that occurred while in the rented property.

Student Landlord Insurance Northern Ireland

Queen's University in South Belfast is home to a large population of students from other parts of Norther Ireland and overseas. This makes Belfast a hub for student accommodation. Don't forget that the many students from University of Ulster at Jordanston also choose to live in the student areas of Belfast. Getting a black taxi or bus is easy, and Belfast offers much more in terms of nightlife for students. This makes South Belfast, a major area for student accommodation. This makes investing in property for letting out to students a popular investment for many. 

Do I need to register as a landlord in Northern Ireland?

It is now a legal requirement to register as a private Landlord in Northern Ireland.  Failure to register as a landlord is considered an offence and could result in a fine of up to £2,500. If, like me, you would prefer not to pay out a large and preventible fine, simply Click here to register.

More than one property?

You may just look for landlord home insurance NI, but if you have more than one property it may be time to consider portfolio landlord insurance also referred to as multi property landlord insurance.

Safeguard yourself Rental Property or Properties

When letting out your property, the safety of your tenants should be a priority. Apart from this, you should protect your property. On our website, you can easily search for a landlord cover package that will be right for your tenancy. Knowing the extent of cover you require is crucial to choosing the right level of policy protection. We have partnered with QuoteZone who have a panel of top insurance companies in NI. These brokers can provide you with a wide range of quotes that will enable easy comparison.

What Landlord Insurance cover can provide you with

  • Cover for damage due to fire, storm, flood or lighting.
  • Cover for third party liabilities and your tenants including their property. This is useful if work is being carried out at your property.
  • Rental income protection. If an incident occurs that results in you being unable to rent out your property for a period of time, this cover will provide income protection. It will also cover the cost of having to provide your tenants with alternative accommodation.
  • Optional Legal Expenses

Did you Know? Whilst landlord insurance isn't a legal requirement, if you're renting out a property in Northern Ireland it's cover worth thinking about. Regular home insurance does not cover a property that you do not live in.

What Landlord Insurance does NOT cover

All insurance polices will have limitations on cover, when it comes to property insurance the following are normally excluded, unless specgially added

  • Damage by vermin and neglect
  • Faulty workmanship This is common issue having work carried out to substandard level and claiming for the cost to get put right will not be covered.
  • Wet and Dry Rot
  • Damp
  • Subsidence may be added as an extra level of cover if the property is in an area subject to subsidence, but must be approved by the insurance company,.

Compare Landlord Insurance Cover

Insurance Quotes NI have partnered with QuoteZone to it  make it easy to find a policy that will fit your requirements. To find a policy, simply enter your basic details and choose either landlord contents cover and/or buildings cover. From there, you will have to provide basic details of the property, how it’s used and the tenancy arrangement governing its use. Regardless of the option you choose, you have to indicate the sum insured, which is different from the market value of the home. You can use an online rebuild calculator to determine the value of your home.

Polices cane be tailored to your specific requirements, for example you can increase the level of accidental damage cover to boost your liability above the normal level that is automatically included. You can browse our website to find out more about any technical terms you may not understand. After providing all the information related to your property and its use, you will get a quote outlining all cover levels for the options you selected. You can get more details about every cover level or can go ahead and buy the cover.

The quotes you will get are from verified brokers that cover NI landlords. All the providers in our network have been vetted to be in good standing with the law. Moreover, all of them have many years of experience and are registered in accordance to UK laws.

On our website, you will find articles and information on what to consider when looking for landlord protection, pros and cons of letting a property and guide on tenancy deposit protection schemes.

Start comparing insurance quotes today. Fill the form on our website with your details and search for quotes that meets with your requirements and budget.

Who Provides Northern Ireland landlord insurance?

Most insurance companies are able o offer landlord insurance, the big names in Northern Ireland include AXA Landlord Insurance NI, ASDA, Hughes Insurance, Ageas Landlord insurance, ABCNI Landlord Insurance, Apricot, less well known names include Modus

Compare Northern Ireland landlord insurance

Getting multiple Insurance quotes for will make it easier to compare what is currently being offered on the insurance marketplace. By completing one form, you will receive quotes that can then be tailored to the specific needs of Northern Irish landlords.

Northern Ireland Landlotd Insurance FAQ's

Is buy to let and Landlord insurance the same thing

Basically, yes both provide the essential cover need if you intend to let out a property to a tenant. The term Landlord insurance tends to refer to those that own more than one property, whilst Buy-to-let insurance is associated with those of us who buy an additional property for additional income

Links to further resources that you may Find Useful

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