As more and more people are becoming landlords - from property investors looking for an alternative to a pension to accidental landlords and seasoned professional landlords - landlords insurance is becoming ever more popular. The market for landlords insurance is also becoming more competitive and more and more providers of landlords insurance are springing up.

So as buying landlords insurance becomes more confusing it becomes even more important to ensure that your buy to let property is insured with a reliable landlord insurance company. Buy to let insurance is like any other insurance; it can be confusing and what seems like a good deal at the time can turn out not to be when you try to make a claim. Here at discount landlord insurance we aim to deliver you a comprehensive landlord insurance policy at market leading let property insurance rates.

Remember that when you rent your property out normal home insurance is not suitable and you will need landlord insurance to cover you against fire, theft, leaks, liability and all the standard perils that your mortgage lender will require you to have.

Discount landlord can cover you against the following:-

Buildings Insurance - On our landlords insurance we cover your investment property against all usual perils such as fire, theft or storm damage. The bricks and mortar will be covered as will bathroom and kitchen fittings. The structure itself is insured against most risks for the cost of repair or rebuild.

Contents Insurance - This type of landlords insurance covers  any fixtures, appliances and furnishings within the rental property against any loss or damages during the normal course of a tenancy. This includes carpets, curtains and all those things most landlords include when they let their property out even if it is let unfurnished.

Loss of Rent Cover - When the rented property is damaged, it would lead to unoccupancy of the property and would result in loss of rent. Having Loss of Rent covered in the policy can compensate the rental income loss for up to 30% of the property buildings sum insured. This is an invaluable section on any landlords insurance policy.

Accidental Damage cover - Accidental damage refers to damages due to unintentional and unexpected external actions. Some companies may offer this at an additional cost; however our landlord buildings insurance covers properties against all accidental damages as standard.

Alternative Accommodation Cover - Landlords with uninhabitable properties due to loss or damage have to re-house their tenants temporarily. Discount Landlord provides alternative accommodation cover to help landlords to “redeem” the cost of re-housing for up to 30% of the buildings sum insured.

Apart from the standard landlord household insurance, other landlord insurance options may also be available for investors in the buy-to-let industry - such as Commercial Property Insurance and Legal Expenses and Rent Guarantee Insurance. It is important for landlords to distinguish between these forms of landlords insurance as different types of landlord insurance are designed for different purposes of letting.