Policy Sections
Definitions
Cover Clauses
Material Damage
Buildings
Buildings - Extensions
Buildings - Exclusions
Contents
Contents - Extensions
Contents - Exclusions
Glass. Blinds and Signs
Extensions
Exclusions
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
A Landlords Insurance Policy
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.
Cover Clause
The cover clause defines the event that can cause damage against which insurance is provided. These are further definitions and used to avoid repetition.
Examples
Fire
Perils
Accidental damage
Theft or attempted Theft
Subsidence, ground heave or landslip.
In a normal house insurance policy these covers are usually combined however you should note that a) Theft is not one of the listed perils and b) Subsidence is shown separately. For residential landlords subsidence is usually included automatically (with a high excess) as mortgage lenders insist on the cover. For commercial property owners subsidence is usually an optional extra.