Policy Sections
Definitions
Cover Causes
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
Definitions in a landlords insurance
A typical landlord insurance may start of as follows:
The policy is a legal document and, to save time, many of the terms are defined precisely in the definitions section. This enables the policyholder to see precisely what is, and is not, covered. To assist many policies put words that are defined into bold so that they can be referenced.
Example
Business
The ownership of the Property at the Premises
The occupation of the Premises for Property Management
purposes,
The repair and maintenance of the Premises
The provision of first aid, fire, security and ambulance services at
the Premises
Note that the words 'Property' and 'Premises' are in bold. This means that they, too, are defined in the Definitions section.
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
