Question 1

Do I need landlord insurance in Sussex if I already have buildings insurance?

Accepted Answer

Standard residential buildings insurance usually excludes property that is let. A landlord or property owners

Question 2

Is landlord insurance a legal requirement in the UK?

Accepted Answer

It is not required by law, but most mortgage lenders make buildings insurance a condition of the loan, and leases often require it. Employers

Question 3

Can you insure an HMO or student let in Brighton?

Accepted Answer

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.

Question 4

What happens if my Sussex rental property is empty between tenancies?

Accepted Answer

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.

Question 5

Can several properties go on one policy?

Accepted Answer

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.

Question 6

How should I set the buildings sum insured?

Accepted Answer

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.

Commercial Insurance Broker in Brighton