landlord Archives -

In a rental property policy, Public Liability (or Property Owners’ Liability as it is more commonly stated) covers your legal liability, as Property Owner, for accidental death or injury (or disease) occasioned to a Third Party, be that a tenant, a visitor or a trespasser. It also extends to cover Third Party property damage e.g. if a slate blows off your roof and hits a parked or passing car...

If your property is insured under a block policy i.e. an apartment, this policy will only cover liability arising from accidents in the common areas i.e. the hallways, stairways, landings etc. It will generally not cover accidents occurring inside the apartment. To ensure you have liability cover within the apartment you must have (Landlord’s) Contents insurance, but check that it covers liab...

What your landlord insurance does (can) cover – Fire, Storm, Escape of Water, Flood, Theft, Subsidence, Impact by Vehicle, Loss of Rent, Fire Brigade Charges, Glass, Trace & Access, Public/Property Owners liability, injuries to Domestic Employees. What your landlord insurance does not cover – Wear & Tear, Gradual Deterioration, Theft by member of the household, Property in t...