Landlord Insurance Across Sussex
Sussex landlords let everything from Victorian conversions in Brighton and Hove to student houses on Lewes Road, seaside flats in Worthing and Eastbourne, and rural cottages across the South Downs. Each of those lettings carries a different risk profile, and a residential home insurance policy will not respond when a property is let out.
Frequently asked questions
- Do I need landlord insurance in Sussex if I already have buildings insurance?
- Standard residential buildings insurance usually excludes property that is let. A landlord or property owners' policy is written for letting and adds property owners' liability and loss of rent, which a homeowner policy does not provide.
- Is landlord insurance a legal requirement in the UK?
- It is not required by law, but most mortgage lenders make buildings insurance a condition of the loan, and leases often require it. Employers' liability becomes a legal requirement if you employ anyone, such as a caretaker or cleaner.
- Can you insure an HMO or student let in Brighton?
- Yes. HMO and student lets are specialist risks and need to be declared, along with the number of lettings, tenancy types and any local authority licensing. We place them with insurers who write this business regularly, subject to their terms and acceptance.
- What happens if my Sussex rental property is empty between tenancies?
- Most policies restrict what is insured after 30 to 45 days of non-occupancy. Tell us as soon as a property becomes vacant and we can arrange an unoccupancy extension or a dedicated unoccupied property policy.
- Can several properties go on one policy?
- Yes. A portfolio policy schedules each property with its own sum insured under one renewal date and one premium, which is usually simpler to administer than separate policies.
- How should I set the buildings sum insured?
- It should reflect full rebuilding cost including demolition, site clearance and professional fees, not market value. Where a property is unusual, listed or high value, we can arrange a professional reinstatement assessment.
This page is part of https://becks.insure/sussex-landlord-insurance. Becks Insurance Brokers is an independent, FCA-regulated commercial insurance broker based in Brighton, advising businesses across Sussex and the UK.