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The journey to
protecting what matters most
Think of it as a relaxed chat to set you on the right path to financial security. You talk, we listen!
- Initial Meeting
- Personalised Advice
- We Take Care of the Rest
- You Are Covered
Meet The Owners
Simon & Kelly
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We Can Search Thousands Of
Landlord Insurance Deals
The Journey to
Protecting What Matters Most
- 1
Initial Meeting
Book AppointmentLet’s grab a coffee (or a Zoom). This is where we get to know you, your concerns, and your protection goals. Think of it as a relaxed chat to set you on the right path to financial security. You talk, we listen!
- 2
Personalised Advice
Get Personalised PlanWe’ll craft an insurance plan tailored to your needs, complete with all the suitable options. We’re like your personal insurance matchmaker, finding the best deal to make protecting what matter most easy.
- 3
We Take Care of the Rest
Meet Your BrokerLeave the paperwork, provider chasing, and all the heavy lifting to us. All you need to do is sit back and relax while we make it happen behind the scenes. Our award-winning insurance team is available 7-days a week.
- 4
You Are Covered
Let's Get StartedYour new insurance is set up, and it’s time to pop the bubbly! Like all our 5-star customers, you are now financially protected should the worst happen.
Landlord Insurance Facts
Landlord insurance protects against a wide range of property damage scenarios. This includes accidental damage caused by tenants and damage from events such as fires, floods, storms, and vandalism. This coverage ensures that the costs associated with repairing or rebuilding your property are covered, allowing you to maintain the value and habitability of your investment without significant out-of-pocket expenses.
Why Use Protex Financial For
Landlord Insurance Advice?
Here at Protex Financial, we strive to focus only on you. This is why we can offer the best range of landlord insurance advice with access to thousands of products the insurance market offers. Our contents insurance brokers can search thousands of products to ensure you are getting the most suitable deal you can possibly get.
The FCA, the Financial Conduct Authority, regulates our team at Protex Financial. This means everything we do is for you; we must offer you the leading and most suitable insurance options, rates, and landlord insurance advice.
Frequently Asked Questions
Landlord insurance is a specialised policy designed to cover rental properties. It protects against risks such as property damage, liability claims, and loss of rental income and sometimes includes content coverage for items provided to tenants.
Landlord insurance is essential as it protects your investment property from a variety of risks that could lead to significant financial losses. It offers coverage for property damage, liability, and rental income loss, which standard home insurance policies do not typically cover.
Yes, landlord insurance often covers accidental damage caused by tenants. However, intentional or malicious damage by tenants might not be covered unless specified in the policy.
Yes, most landlord insurance policies include loss of rental income if the property becomes uninhabitable due to an insured event, such as a fire or flood. This ensures you continue to receive income while the property is being repaired.
Liability coverage protects you if a tenant or visitor suffers an injury on your property and holds you responsible. It covers legal fees, medical expenses, and any settlements or judgments against you.
No, landlord insurance typically does not cover tenants’ personal belongings. Tenants are advised to obtain their own renters’ insurance to protect their possessions.
Yes, many insurers offer rent guarantee insurance as an add-on. This covers rental payments if a tenant defaults or stops paying rent, providing financial security and peace of mind.
Some policies include coverage for legal expenses related to tenancy disputes, such as eviction proceedings or disputes over damage. This can be an optional add-on or included in more comprehensive policies.
Premiums are calculated based on factors such as the property’s location, age, construction type, the level of coverage chosen, and the type of tenants. Properties in high-risk areas or with higher-valued contents will generally have higher premiums.
Coverage for natural disasters varies by policy and insurer. Common natural disasters covered include fires, storms, and floods. However, specific events like earthquakes or hurricanes may require additional coverage.
To make a claim, contact your insurance provider as soon as possible after an incident. Provide necessary documentation, such as photographs of damage, police reports (if applicable), and receipts for repairs. The insurer will guide you through the claims process.