Policy Sections

Definitions
Cover Causes
Material Damage
Buildings
Buildings - Extensions
Buildings - Exclusions
Contents
Contents - Extensions
Contents - Exclusions
Glass. Blinds and Signs
Extensions
Exclusions
Conditions
Loss of Rent
Rent Receivable
Alternative Accommodation
Extensions
Conditions
Liability
Public Liability
Public Liability Exclusions
Employers Liability
Employers Liability Exclusions
Extensions
Conditions
General Exclusions and conditions
Exclusions
Conditions
Complaints
Making a claim

Damage - Extensions to landlord insurance

Typical extensions applying to material damage section of a landlord insurance policy

Examples

  1. Non Invalidation (If an unknown factor increases the risk the policy will not be invalidated provided the insurer is told immediately on discovery and an additional premium paid.

  2. Removal of debris

  3. Subrogation

  4. Landscaped Gardens (Damaged by Fire brigade in combating fire at the premises)

  5. Capital Additions (providing the insurer is notified and the additional premium paid).  There could be a limit of increase e.g. 10% or 250,000

  6. Loss of metered water

  7. Trace and Access

  8. Clearing of drains FOLLOWING Fire/ perils

  9. Access by workmen

Please note

Like all insurance policies, a landlords insurance policy consists of several sections. General information about the various sections is included. You must not assume that your policy has all of the sections referred to (and will probably have different terms, conditions and exclusions). If in doubt contact your insurance broker for advice.

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