Legal expenses over 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.
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When it comes to protecting your rental property, you need an insurance policy that will cover it all.
Owning a rental property is a big investment. So you’ll want to make sure you and your tenants are protected no matter what – and landlord insurance is a great way to guarantee that all-important peace of mind.
Log in or create a MySaga account to view your policy documents or renewal invite. Fast and easy, no need to call.
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Property insurance for landlords protects properties that you rent out to tenants. Unlike home insurance, it covers the extra risks that come with renting out a property. Our landlord home insurance includes:
It’s your responsibility as the owner to take out landlord insurance cover for your rental property.
Your standard home insurance may not cover you for everything you need, because there are often issues that crop up in rental properties that will differ to ones in your own home:
Plus, while it’s not a legal requirement, mortgage lenders will often insist on it.
Our landlord insurance includes a range of cover, including:
This covers damage caused by things like fire, storm, subsidence, flood, and theft.
Choose the level of cover you need for the items in the property owned by you rather than the tenant, including carpets and furniture.
We’ll repair or replace things you or your tenants accidentally break (up to the sum insured).
Unlimited legal advice and up to £100,000 to cover the cost of any legal fees to do with your property, such as evicting tenants.
If your tenant damages your property, we’ll cover the repairs (up to the sum insured).
If there’s a major incident like a fire or a flood, we’ll cover the cost of temporarily rehousing your tenants (up to 20% of the buildings sum insured).
Saga’s range of insurance products is designed specifically for our customers and is unique to us. Saga Landlord Insurance is provided by Royal & Sun Alliance Insurance plc which meets our high standards of quality and service.
Take a look at what's included as standard across our buildings, contents and legal expenses cover.
Policy Features | Maximum claim limit |
---|---|
Buildings cover | |
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 |
Up to £5,000
|
Fire extinguishers -
Including 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
|
Contents cover | |
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
|
Legal expenses cover | |
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 |
£100,000 per claim
|
Non-tenancy property damage -
Advisers’ costs to pursue legal proceedings against someone who damages your property |
£100,000 per claim
|
Criminal prosecution -
Advisers’ costs to defend yourself against criminal prosecutions brought against you |
£100,000
|
Legal expenses over 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.
Here’s some examples of things we can’t cover . But make sure you check your policy for more details:
Saga Landlord Insurance is designed for customers where the ownership of rental (aka Buy To Let) properties is not your main source of income. If you let out properties as a commercial enterprise, own five or more rental properties, and/or are a professional landlord, our private landlord insurance is not suitable for you.
If you are a private landlord owning between one and four rental properties and those properties are in your own (or partner's) name, then you can get a quote for Saga Landlord Insurance.
Peace of mind is priceless, that’s why we offer additional home emergency cover, just in case. Available from £39.99 per year, Saga Home Emergency provides unlimited call outs each year and up to £2,000 per incident.
We cover a range of emergencies such as:
This additional cover also includes
Cover and benefits | Home Emergency | Home and Heating Emergency |
---|---|---|
Call outs allowed each year
|
Unlimited
|
Unlimited
|
Water supply pipes
|
||
Drainage and internal plumbing
|
||
Roof damage
|
||
Pest infestation
|
||
Security (i.e. glazing and locks)
|
||
Overnight accommodation each year
|
3 nights |
3 nights |
Partial or complete electrical failure
|
||
Complete boiler breakdown
|
||
Annual boiler service
|
Optional |
Optional |
Please note, claims cannot be made within the first 14 days of the policy. Our Home emergency cover is only for unforeseen failures and problems, so we can't cover maintenance issues or problems that worsen gradually over time.
Here are some tips on keeping your tenants and property safe:
Hire a property manager – a property manager can conduct spot checks, visit the property while it’s vacant and help with a range of other issues.
Check the locks – locks installed before 2008 can be vulnerable to a common burglary method called ‘lock bumping’, so it’s safer to update them to more modern ones with sturdier mechanisms.
Windows – consider upgrading any older, wooden windows to modern UPVC. Not only will this make them more secure, but it could also improve your property’s energy efficiency rating.
Property inventory – full inventory checks should be carried out at the start and end of the tenancy, so you can document the condition of your rental property and everything it contains. This document can also come in handy if you ever need to make a claim.
Security system and cameras – security measures like these are a great way to help give you peace of mind and your tenants added safety.
Keep keys safe – keep up to date with who has a key for the property (tenant, property manager, yourself, etc) and make sure when tenants leave, they always return the keys.
Screen tenants – ask for employer and character references from potential tenants to make sure they’re the right fit for your property.
Secure all outbuildings – don’t forget to make sure your shed or garage has safe and reliable locks on them to prevent theft.
Add lighting – porch lights that illuminate the exterior or motion sensor lights can help your tenants feel safe and is one of the cheapest and easiest ways to prevent crime.
Each rental property you own will need their own landlord insurance policy.
Yes, you are covered for up to 20% of the amount your building is insured for if your home cannot be lived in as the result of loss or damage covered by the policy.
Our standard landlord insurance doesn’t include boiler cover as part of the policy. Boiler issues or failure cause unexpected problems for tenants and also for you, so it makes sense that you want to be insured against this.
To make sure you have the right cover for your boiler, you would need to add Saga Home and Heating Emergency to your policy.
If you don't need boiler cover but do want cover for other emergencies, that's an option.
We understand that you may not always be available to deal with property issues which is why we have made it possible for your tenants to deal with any emergency on your behalf. You can add Saga Home Emergency at any time by calling 0800 027 1355.
Yes, you can claim any expenses of running and maintaining your rental. This includes:
Please note, this is for information only. For tax advice, you should speak to a qualified professional.
Existing Saga Landlord Insurance customers can call our free tax advice line anytime day or night on 0800 141 3321.
This depends on whether the person living with you is a renter or a lodger.
If someone is renting part of your property and lives separately from you, you’ll need to apply for specialist landlord insurance.
If you have a lodger who shares living space with you, this can be covered on our standard home insurance as long as you notify us in advance.
There's plenty to explore and learn about our wide range of insurance cover.