What does Saga Landlord Insurance cover?
All these great features are included as standard
- Buildings cover up to £500,000
- Contents cover up to £50,000
- Accidental damage cover
- Legal Expenses cover
- Landlord Advice Line
Saga Landlord Insurance provides up to £500,000 cover as standard against damage caused by incidents such as fire, storm, subsidence, flood and theft.
| Policy Features | Maximum Claim Limits |
|---|---|
| Alternative accommodation for your tenants - if your property is made uninhabitable as a result of damage by an insured event, such as a flood or fire | Up to £100,000 |
| Loss of rent - if the let property is made uninhabitable by an insured event, such as a flood or fire | Up to £100,000 |
| Trace and access of a leak - including reinstating any wall, floor or ceiling damaged during the search | £5,000 |
| Fire extinguishers - that need refilling, plus the replacement of sprinkler heads and resetting of fire alarms following an insured event, such as a fire | Up to buildings sum insured |
| Property owner’s liability - for accident or injury to other people, or damage to their property | £2 million |
We offer optional contents cover to protect any contents you own within your rental property. You can choose from £10,000, £25,000 or £50,000 of contents cover.
| Policy Features | Maximum Claim Limits |
|---|---|
| Replacement of locks - if the keys are lost or stolen | Up to £1,000 |
| Temporary storage of your contents - if your property is made uninhabitable by an insured event, such as a flood or fire | 20% of sum insured |
| Garden cover - for your hedges, lawns, trees, shrubs and plants if they are damaged by an insured event, such as vandalism | £1,000 |
| Fixtures and fittings cover - such as built-in furniture, built-in kitchen appliances and fixed glass, that are damaged by an insured event, such as a flood or fire | Up to £10,000 |
We provide unlimited legal advice, plus cover of up to £100,000.
Cover is available when the amount in dispute is £250 or more, and where the legal team believe you can win your case. Cover is provided for an incident that occurs after your cover begins.
| Policy Features | Maximum Claim Limits |
|---|---|
| Tenant eviction - advisers’ costs to pursue eviction proceedings and recover possession of the property if your tenant reneges on the tenancy agreement |
£100,000 per claim |
| Non-tenancy property infringement - advisers’ costs to pursue legal proceedings against someone who trespasses or causes a nuisance on your property | |
| Non-tenancy property damage - advisers’ costs to pursue legal proceedings against someone who damages your property | |
| Criminal prosecution - advisers’ costs to defend yourself against criminal prosecutions brought against you |
