Free checklist
Landlord and property owner insurance checklist
The points to check on a property owner's schedule, from rebuild cost to empty units.
Covers usually needed
- Buildings at full rebuild cost
- Loss of rent or alternative accommodation
- Property owner's liability
- Employers' liability if staff are employed
- Landlord's contents
- Terrorism where required by the lease or lender
Common gaps brokers find
- Rebuild cost not valued for years
- Unoccupied units not notified, so conditions apply
- Tenant's trade changed (for example to a takeaway) without telling the insurer
- Loss of rent period shorter than a realistic rebuild time
- Flood or subsidence risk at the postcode not reviewed
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PolicyTools.app checks every address for flood, subsidence and listed status, and flags rebuild cost concerns.
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