MultiCover Insurance

Combined Insurance

This is your general landlord insurance, which combines buildings and contents. It's usually cheaper than buying both separately, and may be the right fit if you rent out a furnished house.

But we suggest that leaseholders check whether the freeholder has already arranged buildings insurance, to avoid doubling up on cover.

Our combined policy includes:

• up to £75k contents sum insured
• up to £1k for replacement locks and keys
• contents removal and temporary storage for Gold and Platinum
• loss or damage during a storm – our storm hub defines what a storm is
• alternative accommodation and loss of rent

Buildings sum insured	Unlimited	Unlimited	Unlimited
Property owner's liability	£1m	£2m	£2m
Employer's liability			£5m
Alternative accommodation & loss of rent	£30k	£75k	£100k
Replacement locks & keys	£500	£750	£1k
Emergency access	£500	£1k	£2.5k
Loss of metered water/oil	£500	£1k	£2.5k
Sale of property
Unauthorised use of gas/electric/water		£1k	£2.5k
Trace and access		£5k	£10k
Unoccupancy	30 Days	60 Days	90 Days
Contents sum insured	£25k	£50k	£75k
Contents removal & temporary storage
Theft from garages and outbuildings		£1.5k	£5k
Garden contents		£1k	£2.5k

Contents Insurance

Contents insurance covers things inside your rented home, such as theft and vandalism. It's a good option if you're renting out a flat.

If you're a leaseholder, fixtures and fittings damage is included as standard on a contents only policy (subject to exclusions).

This includes carpets, laminate tiles, and sanitary ware. Please make sure the value of these are included in the contents total you tell us, as well as any furniture you're responsible for.

Our contents policy includes:

• up to £75k contents sum insured
• up to £1k for replacement locks and keys
• contents removal and temporary storage for Gold and Platinum
• leaseholder fixtures and fittings
• alternative accommodation and loss of rent

Contents Insurance cover available on each tier as standard.

Scroll right for more level options

Contents sum insured	£25K	£50K	£75K
Property owner's liability	£1m	£2m	£2m
Alternative accommodation & loss of rent	£10K	£15K	£25K
Replacement locks & keys	£500k	£750k	£1k
Contents removal & temporary storage
Theft from garages and outbuildings		£1.5k	£5k
Garden contents		£1k	£2.5k
Leaseholder fixtures and fittings

Buildings Insurance

Buildings insurance helps pay for damage to your rented home's structure and fittings. It also protects your garages, outbuildings and any other permanently fixed structure.

It's the minimum level of cover we'd recommend for rented properties and is available on each tier as standard. However, we suggest that leaseholders check whether the freeholder has already arranged buildings insurance, to avoid doubling up on cover.

Our buildings policy includes:

• unlimited buildings sum insured
• unoccupancy cover up to 90 days
• up to £1k for replacement locks and keys
• fixtures and fittings
• cover for loss or damage during a storm - our storm hub defines what a storm is
• alternative accommodation and loss of rent

Buildings Insurance cover available on each tier as standard.

Scroll right for more level options

Buildings sum insured	Unlimited	Unlimited	Unlimited
Property owner's liability	£1m	£2m	£2m
Employer's liability			£5m
Alternative accommodation & loss of rent	£30K	£75K	£100K
Replacement locks & keys	£500	£750K	£1k
Emergency access	£500	£1k	£2.5k
Loss of metered water/oil	£500	£1k	£2.5k
Sale of property
Unauthorised use of gas/electric/water		£1k	£2.5k
Trace and access		£5k	£10k
Unoccupancy	30 Days	60 Days	90 Days