LANDLORD INSURANCE WITH CCJ
- Landlord cover for those who have been subject to a CCJ.
- Also covers those who have been made bankrupt, or have an IVA or poor credit history.
- Underwritten by AXA Insurance.
- Average Quote time under 10 minutes, fast and easy.
More information
Home insurance for your rental property
Here at Homeprotect we specialise in providing home insurance for people with a history of financial difficulties.
We cover student let properties, homes with professional tenants and everything in between.
- CCJs, bankruptcy, insolvency and IVAs all included.
- Buy online: no need to call us unless you want to.
- Take out Landlord insurance online in minutes
Get a home insurance quote online
Get a quote online in less than 10 minutes*
What’s covered by landlords home insurance?
Landlords insurance provides financial protection if you need to repair the property you let or replace your belongings after they’ve been stolen, damaged or destroyed.
It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
Repair guarantee
We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Gradual damage, wear and tear, or issues you knew about but didn’t fix
Faulty design, construction, or workmanship.
Damage caused by poor maintenance or neglect
Malicious damage or theft by tenants, unless you meet our policy conditions (see below)
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
Deliberate or illegal acts by tenants
If damage is caused deliberately or illegally by tenants (e.g. theft or malicious damage), we’ll cover up to £5,000 per claim — but only if the following conditions are met:
Tenancy Agreement
- A valid Tenancy Agreement must be in place for all tenants.
Regular inspections
- The property (inside and out) must be inspected at least once every 3 months, or as often as allowed in the agreement.
- A written inspection log must be kept for 24 months and reviewed every 6 months.
Tenant checks before letting
- At least one rent payment must be received from the tenant’s verified bank account.
- A copy of formal photo ID (passport or driving licence) must be kept for each tenant.
- Credit references must be obtained from a licensed agency (with permission to share if you claim).
No subletting
- Subletting is not allowed. If discovered, you must act to remove sub-tenants as soon as possible.
Not covered:
- Damage from lets under 90 days unless the let is licensed and meets legal standards
- Damage if the property is unoccupied
- Any amount you could legally recover from tenants, whether collected or not
Recommended by our customers
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Landlord Insurance Cover Levels
Our landlord insurance is designed to protect your property against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Buildings cover
Protects the main structure of your home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
up to £1 million
(more cover available if you need it)
Contents cover
Protects landlord contents (e.g. white goods, furnishings, window coverings) on a new for old basis. £7,500 of landlord contents cover is included as standard with buildings insurance.
up to £30,000
(more cover available if you need it)
Loss of Rent
If your tenants can’t live in the property due to an insured event, we’ll cover the rent you would have received.
up to £30,000
Landlord Home emergency
Covers sudden emergencies like water leaks or heating breakdowns. We’ll aim to get help to you within hours.
up to £500
Trace and access
Covers the cost of locating a water or oil leak and reinstating any disturbed flooring or walls.
up to £10,000
Outbuildings cover
Covers detached garages, sheds and similar structures within your boundary or legal responsibility.
from £20,000
Liability cover
Covers legal liability for injury or damage to others or their property.
up to £5 million
Family Legal Protection
Included as standard if you don’t select the landlord-specific upgrade.
up to £25,000
Landlord Legal Protection with Rent Guarantee
24/7 legal helpline and up to £50,000 for disputes, rent recovery, repossession and rent guarantees (subject to conditions).
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals. Two levels of cover are available.
Optional
New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
Your Questions Answered
Bankruptcy is not classed as a criminal conviction, however there is a question when you buy the policy which asks if any of the intended policyholders, or anybody living at the property, has been bankrupt in the last 5 years.
Yes. CCJ and IVA information is readily available via public records. In the event of a claim, especially a large claim or a series of smaller claims; an insurer will look very carefully at financial histories before paying out the claim. If the fact that there is a CCJ or IVA in the household is discovered and you didn’t disclose it if you were asked when you purchased the policy, the claim may not be paid out and it’s likely that your policy will be cancelled at the same time.
Unless you repay the full amount of the CCJ within one month of the CCJ being served against you, it will remain on your credit file for six years.
Your IVA will show on your record in the Individual Insolvency Register until three months after it ends, but will stay on your credit record for six years.
The length of time that information stays on your credit report depends on what type of information it is, but most information is removed after six years.