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Homelet Landlord, Tenant & Student Insurance – Low Cost Landlord & Tenant Insurance in England and other parts of the UK   

HomeLet provides a range of insurance and other related products for the residential letting industry. These include a specialist landlord scheme that is specifically designed for the particular risks facing landlords and a comprehensive tenant policy which includes cover for the risks associated to those who do not own the property where they live.

Contents insurance for Tenants in rental property

New Tenant's Contents Insurance+ from HomeLet available. Great value which will allow up to three people who are employed to share the same policy New prices - Minimum cover now much higher - Some high risk areas are now in lower risk bands

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HomeLet releases a new Tenant's contents insurance product available via jml insurance ....More Here

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FOR LANDLORDSXXXXXXXXXXXXXXX

When it comes to taking the risk out of property rental, HomeLet is the specialist. We’ve been in the industry since the birth of Buy-to-Let, which means we’ve got more experience than anyone else.

We know that as a landlord you’re exposed to more risks than you may realise and that could mean that a standard household insurance policy won’t necessarily provide the cover you need.

So, why not let us know when your insurance is due to be renewed and we’ll provide you with a quote for exceptional cover at an affordable price. Remember our cover has been specially designed with you in mind.

 

  • Easy quote process - no re-build value needed, £500,000 cover as standard (Buildings)
  • Contents insurance for furnished and unfurnished properties
  • Discounts for managed properties
  • Loss of rent and re-letting costs for up to two years
  • Emergency Assistance cover included as standard
  • Malicious and Accidental Damage by tenant upgrade options
  • Variable excess options - including nil excess

Landlord's insurance+ Fact sheet

# Landlord's Insurance+ provides a full range of cover which includes:

  • Buildings insurance
  • Contents insurance for furnished or unfurnished properties
  • Emergency Assistance
  • Prestige Rent Guarantee
  • Legal Expenses

# HomeLet's new Building insurance automatically provides cover for up to £500,000

# If something really serious happens such as a fire or flood and the tenant has to move out, the policy covers landlords for the loss of rent or re-letting costs for up to two years (or a maximum of £50,000)

# Emergency Assistance cover is included for free with Buildings and / or Contents for furnished properties insurance and comes with the option to add on boiler and heating cover.

# The Buildings policy has variable excesses including a 'nil excess' option

# If it's a leasehold property, HomeLet Contents for furnished properties insurance will automatically cover kitchen fixtures and fittings and bathroom sanitaryware

# The Contents insurance now covers the landlords' contents in the garden such as garden furniture or ornaments

# HomeLet will provide new for old replacement of landlords' contents

# Landlord's Insurance+ also provides £5 million property owner's liability and £10 million employer's liability because if a tenant or an employee injures themselves and the landlord is found to be negligable there could be a hefty bill to pay!

# Premiums for most Building insurance policies are based on the properties rebuild value. A common mistake is to cover the market value of the house which is often much higher, leaving the owner over-insured and paying more than they need to. HomeLet's automatic Buildings cover up to £500,000 takes away this probleml

# HomeLet's Landlord's Building insurance is bedroom-rated which generates a more accurate premium for the property

# Because the product is bedroom rated landlords only need to fill in their personal details and answer four questions to receive a competively priced Buildings insurance premium indication

# HomeLet's Landlord's Building and Contents insurance policies include 90 day no restriction cover for when the property is empty between tenancies, meaning landlords are insured during void periods with no onerous inspection requirements.

Find out more by clicking on the logo below

Details supplied by Premier Homelet – 12/ 09

 CLICK ON LOGO BELOW FOR FURTHER INFORMATION

HomeLet - Taking the risk out of property rental

Letting without Rent Guarantee is like riding your bike downhill without brakes.

HomeLet is a trading name of Barbon Insurance Group Ltd, Registered Office: 4-9 Highview, High Street, Bordon, Hampshire, GU35 0AX, England who are authorised and regulated by the Financial Services Authority in the UK. Their FSA Register number is 308724.

NEED INSURANCE FOR YOUR HMO or RENTAL PROPERTY? CLICK HERE

Do you own more than Two Rental Properties - Want to save money? Click on Logo Below

As market leaders for tenant referencing services, we will appraise up to 500 tenants per day to ensure that each tenant is suited to the home that they decide to rent.

HomeLet products are available through a network of some 5,000 letting agents throughout the UK as well as on the Internet. Each of our letting agents has to meet entry criteria before being appointed to provide HomeLet products and our team of Business Development Managers is responsible for quality.

The HomeLet team includes Customer Service Operators who are trained to answer any concerns that you have regarding one of our products and they are available to take your call from 8:30 AM to 5:30 PM weekdays except Wednesday 10:00 AM to 5:30 PM, Saturday 09:00 AM to 12:00 noon

With £360 million of insured property in our care, we are the market leaders in our sector and our policies are underwritten by Group AMA and other leading underwriters (see Our Underwriters).

HomeLet is a trading style of Erinaceous Insurance Services Ltd, Its divisions include additional brands including Let Plan, Truck Insure, Greystoke Legal Services and SportSure.

Homelet offers these Landlord’s Protection Products   

Low Cost Buildings insurance – Peace of mind for property investors. Low Cost Buildings Insurance covers the cost of rebuilding your property following loss or damage caused by key risks such as fire, theft, aircraft, lightning, escape of water, storm and subsidence. 

This economic policy also includes loss of rent and re-letting costs following insured damage, Landlord’s Liability and Accidents to Domestic Staff Liability, essential protection in today’s litigious society. 

Full Contents Insurance – Designed for furnished lets and covers your contents on a new for old basis. Accidental Damage Nil Excess Options are available.

Legal Expenses - £50,000 cover for all legal costs involved in arranging the eviction of tenants who have defaulted on their tenancy agreement or unauthorised occupants.  

Rent Guarantee and Legal Expenses – Where a tenant fails to pay the rent, we will pay the rent owed (subject to an excess) until vacant possession is obtained. Legal costs are include Letting without Rent Guarantee is like riding your bike downhill without brakes.

Comprehensive Buildings Insurance – A more extensive and flexible buildings policy including benefits such as 90 days full cover for unoccupied properties in between tenancies, 30% loss of rent and Accident Damage and Nil Excess Options.

Limited Contents Cover - Ideal cover for unfurnished or part-furnished properties, Covers specific items including carpets, curtains, light fixtures and fittings and kitchen white goods on a new for old basis.

 

Details supplied by Premier Homelet – Leaflet P003 / 04 © 2004 Hanover Park Commercial Limited

Why use a letting agent?

CLICK ON LOGO FOR FURTHER INFORMATION

Homelet offers these Tenant’s Protection Products   

Remember a Homelet policy is portable for tenants - if you move house, you take the policy with you (you must advise Homelet when you move) 

Why do I need Insurance? Not only are tenants at risk from fire, theft and malicious damage they may be responsible under the tenancy agreement for damage caused to the landlord’s property.

What if I’m in shared accommodation? If you share or sub-let the home, each tenant will require separate cover (bedsits - student lets etc).

 

Cover away from home- Alongside our Standard cover (which protects your possessions in the home) we also offer cover for loss or damage (including accidental damage) to personal possessions anywhere in the world.

What happens if this happens?

Cover for Pedal cycles – If you own a pedal cycle valued above £200, we offer an extension to our standard policy to ensure that your cycle is covered outside the home.  

Standard Cover  - Contents & Personal Possessions in your Home

Additional Cover – Loss or Accidental Damage to Personal Possessions Anywhere.  

Details supplied by Premier Homelet – Leaflet P004 03 / 04 © 2004 Hanover Park Commercial Limited  

CLICK ON LOGO FOR FURTHER INFORMATION 

HomeLet is a trading name of Barbon Insurance Group Ltd, Registered Office: 4-9 Highview, High Street, Bordon, Hampshire, GU35 0AX, England who are authorised and regulated by the Financial Services Authority in the UK. Their FSA Register number is 308724.J

Are you a student? Are you going to become a student? Are you supporting a student with their rental accommodation? If the answer is yes you need a Tenant's rental insurance policy - Click on the logo below for more details now

Why use a letting agent?

  • Landlords and Homeowners often have full time jobs as well as buy to let investments, it is therefore frequently the case that with so many demands on their time they cannot always be available to handle day-to-day events connected with their property
  • If this sounds like you then using a letting agent offering full property management could be an essential and economical way of ensuring the smooth running of a tenancy, while protecting the property and still making a profit.
  • Whilst letting your property through a specialist letting agent is not strictly necessary, a good agent will take some of the effort out of the job of finding and selecting tenants, drawing up tenancy documents, and the day-to-day maintenance of the property.
  • Because you are quite literally placing your property in their hands, the choice of a letting and managing agent is as important as in choosing any other professional such as a solicitor or accountant.
  • Unfortunately demand for property to rent has encouraged many firms and individuals to set up as letting agents many of them are completely unregulated and have little or no experience, do not operate bonded client accounts or are bound by any code of practice. Remember, as the landlord you may be personally liable for any mistakes made by your agent. So choose carefully

Why use a letting agent - Information supplied by Homelet

See Also HomeLet arranging Landlord and Tenant insurance throughout the UK

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See also HomeLet (Group) Press Information:

HomeLet offers More Benefits for Premier Customers - March 2010

Agents Positive about the Future of Lettings - February 2010

Cold Snap Could Prove Costly for Landlords says HomeLet Insurance - January 2010

HomeLet Launch New Range of Landlord's Insurance - December 2009

Tenants should Insure against recession related crime - February 2009

Barbon Insurance Appoints New Directors - Compliance - IT - Finance - February 2009

New Managing Director for Letsure- Barbon Insurance Group has announced the appointment of Ian Fraser as Managing Director - January 2009

New Chief Executive for Barbon Insurance - September 2008

Barbon Insurance Reveals Latest Financial Results - September 2008

EIS Completes Rebranding Exercise to Become Barbon Insurance Limited -August 2008

Martin & Co announces three year deal with HomeLet - July 2008

HomeLet staff gain promotions - June 2008

New Customer relations manager for EIS Insurance Solutions - June 2008

EIS sale completed - New and stable long term ownership - April 2008

EIS separates from Erinaceous Group - New and stable ownership - April 2008

Erinaceous placed in administration - April 2008

jml Insurance will now be introducing Homelet Landlord & Tenant insurance instead of Letsure - March 2008

Erinaceous puts insurance division up for sale - January - February 2008

Brian Turney has left Lumley Letsure - June 2007

Erinaceous Group Plc Opens Property Management Office in Dublin, Ireland - May 2007

HomeLet IPEX -Landlords set for buy-to-let revolution as new scheme launched - March 2007

HomeLet Rental insurance launch Portfolio Insurance from 10th July 2006 in the UK

Letsure has a new Glasgow offices December 2005

HomeLet launches new low cost option landlord’s protection - July 2003


CLICK ON LOGO TO ENTER THE MAIN jml Property Insurance site

See also: Inventories in Rental Properties in the UK - Article

We have a Condensation Problem - Article

jml Property Services / English Cottage Rental.com acts purely as an advertising service for insurance companies. We are not insurance brokers and are unable to offer advice or deal with any of our advertisers enquiries.. All dealing must be with the insurance company that you will gain access to via a link from this website. jml Property Services are unable to give advice either verbally or in writing regarding insurance or assist with changes to insurance policies that you have taken out. You must contact the insurer direct. We are therefore unable to provide any quotes ourselves as we would be breaking the law. All dealing must be with the insurance company that you will have accessed via a link from this website

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