Landlord's insurances quotes UK- Wise Money's overview

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Wise Money's Landlords' Insurances Cover:
Buildings
The property, including outbuildings and fitted interior units, will be covered on the basis of full replacement or repair costs, subject to policy excesses, against loss or damage caused by:
Fire
Theft
Vandalism/malicious damage
Lightning
Oil or water leakage
Smoke
Storm (other than gates and fences)
Subsidence
Burst pipes
Impact from vehicles, falling trees, animals, aircraft, aerials and masts
Civil commotion
Earthquake

Contents
This is not a stand alone cover option and is only available as an additional section to a buildings policy.

Whenever you rent or lease your property you can cover your contents on this policy, against fire and theft. This will include cover for furniture, household utensils, kitchen electrical goods and soft furnishings.

Wise Money Landlords' Insurance Quotes Guarantee
If you are not happy with any aspect of this insurance when you receive the policy, you can return it to us within fourteen days and we will send you a full return of premium, providing of course that you have not made or will not be making a claim. This brochure is not a definitive statement of cover, terms and conditions, and a specimen policy is available in advance, on request.

Wise Money Landlords' Insurances principle exclusions:
First £150 of any claim, both for Buildings and Contents increased to:
£250 for malicious damage and theft in limited postcode areas only.
£1,000 of any claim for subsidence, landslip or heave.
£500 of any claim for escape of water (e.g. burst pipes).
£500 if you have DSS Tenants and your property is unoccupied.
All water tanks and pipes must be properly lagged and roof areas fully and adequately insulated.
If the property was built prior to 1970 the electrical system must have been tested by the local Electricity Board (or NICEIC registered electrician) in the last 5 years.
Ensure that any connected gas appliance is checked annually by British Gas or by a registered Corgi installer.
All necessary internal and external repairs to the building must have been carried out prior to taking out the policy, unless a detailed inventory is provided recording any pre-existing but un-repaired damage, such as cracked sinks and baths.
Properties used for holiday letting purposes.
Properties unoccupied for more than 90 days.
If you have DSS Tenants and the Buildings are Unoccupied for any reason You or Your agent must inspect the Buildings at least every 14 days to make sure that:
the gas and electricity supply is turned off at the mains;
the water supply is turned off at the mains and the system drained (unless adequate level of heating is maintained from fixed heating appliances);
all outside doors are securely locked;
all ground floor and accessible upper floor windows are securely fastened and any broken windows boarded up;
the Buildings and all yards and areas surrounding the Buildings are free from fuel and waste materials.
You will be responsible for the first £500 of each and every claim.
Important

Split lets (student/non student/dss)
If your tenants are split between students, non students and dss in any one property you can still be easily covered. Simply indicate on the proposal form the category into which the majority of your tenants fall - the premiums are the same for all categories.

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