Over 50s Landlord Insurance for Your Rental Property

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.

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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

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

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

Cover and benefits

Home Emergency

Home and Heating Emergency

Call outs allowed each year

Unlimited

Water supply pipes

Drainage and internal plumbing

Roof damage

Pest infestation

Security (i.e. glazing and locks)

Overnight accommodation each year

3 nights

Partial or complete electrical failure

Complete boiler breakdown

Annual boiler service

Optional

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Saga Plus Home Insurance includes great features as standard – like accidental damage and cover for personal belongings when you’re out and about. And you can spend your time doing other things because your price won't go up for three years, even after most claims (T&Cs apply).