LANDLORD HOME INSURANCE For non standard construction
- We cover more than brick, slate and tile.
- Concrete, pre-fabricated and eco-homes covered.
- Underwritten by AXA Insurance.
- Average Quote time under 10 minutes, fast and easy.
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RELIABLE LANDLORD INSURANCE
For non standard properties
Owning a property built from non-standard materials, you’ll know that it can be tricky to find insurance cover.
We’re here to help. Here at Homeprotect we specialise in providing insurance for homes with unusual construction methods or materials including concrete, timber frame, steel frame, glass, flint and asbestos.
Landlord Home Insurance Reviews
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
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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.
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Your Questions Answered
An excess is the portion of a claim that you’re responsible for paying. It’s either deducted from your settlement or collected from you if we arrange a repair or replacement. You can find out what excesses you’ll need to pay by logging in to make a claim and selecting your policy in the “Check my cover” section. Your excesses are also listed in your policy documents.
There are three types of excess:
- Compulsory excess – A fixed amount that applies to most claims, based on the type of damage. If your claim includes both Buildings and Contents, a compulsory excess will apply to each.
- Special excess – A higher excess that applies to specific events like flood, escape of water, subsidence, landslip, or heave. If both Buildings and Contents are affected, only one special excess applies.
- Voluntary excess – An extra amount you choose when buying your policy to lower your premium. If your claim includes both Buildings and Contents, the voluntary excess applies to each.
- Exception: voluntary excesses do not apply to Flood Re claims.
You can find your excess amounts in your Policy Schedule or by logging in and selecting your policy in the “Check my cover” section.
Examples:
Example 1 – Claim for one type of damage
Romesh claims for accidental damage to his buildings.
- Compulsory excess: £249
- Voluntary excess: £150
Total excess: £399
Example 2 – Claim affecting both Buildings and Contents
Sam’s theft claim involves damage to both buildings and contents.
- Buildings excess: £249 compulsory + £150 voluntary
- Contents excess: £149 compulsory + £50 voluntary
Total excess: £598
Example 3 – Escape of water affecting both Buildings and Contents
Frankie’s claim is for escape of water.
Voluntary excesses: £100 for Buildings + £100 for Contents
Total excess: £700
Special excess: £500 (applies once)
Not always. Your premium will partly depend on the rebuild costs of the particular design of your home
Buildings insurance covers the structure of the home together with its fixtures and fittings: it covers the cost of repair or rebuilding after fire or weather damage for instance. Contents insurance covers the contents of your home, the possessions you would take with you if you moved house.
There are a huge number of non-standard materials being used in modern constructions, such as asphalt, concrete, timber, glass and steel. Older properties are also made with non-standard materials like wattle and daub or flint. When in doubt, check with a builder, surveyor or your home insurance provider.
If you purchased the property in the last 5 years your homebuyers survey may include the rebuild cost. However if you purchased the property more than 5 years ago you will need to get an up to date assessment.
If your home is of standard construction (normally brick walls and tile roof), not a listed building and not built before 1720 you can use the free online BCIS Rebuild calculator.
If your home is built with non-standard construction materials, or it’s a Listed Building or it was built before 1720, you will need to consult a Chartered surveyor to provide you with an accurate rebuild cost.