LANDLORD INSURANCE FAQS

Landlord insurance is designed to protect your property from any damages as a result of insured perils, such as fire, accidental damage or an escape of water. The policy can cover the building and any of your contents you have furnished the property with. Your tenants should have their own contents insurance for their personal belongings.

By taking our landlord insurance you will benefit from cover for malicious damage or vandalism by your tenants and alternative accommodation cover to rehouse your tenants after a major incident such as a flood or fire. You can also benefit from Legal Expenses cover which provides unlimited legal advice and legal costs up to £100,000. For more information please visit our landlord page.

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.

• Home and Heating Emergency – This adds further cover for a sudden and complete breakdown of the boiler, heating controls and main heating system.

If you don't need boiler cover but do want cover for other emergencies, that's an option.

• Home Emergency – This provides cover for a range of home emergencies relating to gas and electricity supply, water supply pipes, plumbing and drains.

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, as a landlord, Saga Home Emergency can be added to your policy there are two cover levels to choose from:

Home Emergency – This level provides cover for a range of home emergencies relating to gas and electricity supply, water supply pipes, plumbing and drains.

Home and Heating Emergency – This level adds further cover for a sudden and complete breakdown of the boiler, heating controls and main heating system.

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:

• Insurance
• Letting agent and management fees
• Ground rents and service charges
• Water, gas, electricity, and council tax
• Ground rents and service charges
• The first £1000 of your income from the rental property (this is known as your property allowance)

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.

You will be notified at least three weeks prior to the date your policy is due for renewal. You can renew your policy by calling 0800 056 9085. If you pay by Direct Debit or have a continuous payment on your credit card, your policy will automatically renew without you having to do anything.

We understand that making a claim can be stressful, so we aim to make it as easy and as straightforward as possible for you.

First check your policy documents to make sure you are covered for the type of claim.

Then call your insurer with your policy number, personal details and information about what you are claiming for. The number to call in order to make a claim can be found in your policy documents.

A policy excess is the amount of money you contribute towards the cost of a claim, for example, if your excess is £100, you will pay the first £100 towards the cost of the claim. Please note, if you are making a claim on both your buildings and contents then you will need to pay the excess on both parts.

MySaga is a secure section of our website, which allows you to view information such as your quotes and policy documents.

If you have opted to receive your documents by email, please log into MySaga to access them.

Alternatively, you can view our latest Policy Books online under the Policy Book section. If you require an older version of your Policy Book please call 0800 056 9102.

If you have opted to receive your documents by email, you can view them online or download a copy simply by logging into MySaga.

If you are having difficulty accessing your MySaga account or any documents, please call 0800 092 9104 or chat with us now via the icon below.

If you need to make a change to your policy, our friendly customer services team will be happy to help. Please call our existing customer helpline on 0800 056 9102.

Yes, it is important that you inform us of any changes to your property, for example, an extension or adding a conservatory, so we can ensure you have the right level of cover in place whilst the alterations are ongoing. You also need to let us know if scaffolding is going up at your property for any reason, for example repainting or maintenance.

This is likely to result in additional terms being applied to your policy until the work is complete. Depending on the type and duration of the work there may also be an additional charge to cover the increased risk. When calling to tell us about planned building work, please make sure to have the following information ready:

• Total cost of the work
• Start and expected end date
• A brief description, e.g. new bathroom and kitchen, single storey extension, etc.
• Whether you have signed a JCT contract (your building firm/contractor will be able to tell you this)
• If you intend to move out temporarily for (all or part of) the duration of the work.

If you are a new customer and have current or planned renovations at the home you wish to insure, we may still be able to cover you, but be sure to have the above information ready when you call to get a quote.

You can request any documents in large print, Braille, or audio. Please let us know if you need any of these formats by calling our customer services team on 0800 056 9102.

By asking for this document type, all future correspondences for that policy will also be sent in this format, unless you tell us otherwise.

You can also inform us of any additional support you need via the Saga Support Register form.

We hope you never have cause to cancel your policy and we will always strive to resolve any concerns or issues you may have. However, if you want to cancel your landlord insurance, please call us on 0800 056 9102.

Cancellation - Before the policy has started

If you wish to cancel your policy after receiving your documents but before your policy has started, you will receive a full refund of the premium paid.

Cancellation - Within the first 14 days

If you wish to cancel your policy within the first 14 days of receiving your policy documents then you will either receive a full refund of your premium paid if your cover has not yet commenced, or the unused part of your premium based on the cover you have had if your cover has started.

Cancellation - After the first 14 days

If you wish to cancel your policy after the first 14 days of receiving your policy documents and your policy has commenced then you will receive a refund of the unused part of your premium based on the cover you have had. This is on the condition that there have been no claims made by you or against you during that time.

Please note that our arrangement fee is non-refundable.