HM have a dedicated specialist team who are able look after the insurance needs of Private Landlords.
We understand that your insurance requirements are as individual and different as your properties. Whether you have a single buy-to-let or a large portfolio, our Let Property Team are here to help you make the right decisions about your specific insurance needs and ensure the right levels of protection for your business.
Our landlord insurance is specific cover to protect your property and rental income from unexpected losses. While we’ll work with you to understand the specific risks you and your buildings face, many landlord insurance policies can cover:
"Their holistic approach is a revelation. It's not about selling disparate insurance policies, it is about seeing how each part of the business insurance and operation can have integrated protection so that there are considerable savings for the business as a whole."
"They really get to know your business so that the insurance is specific to your needs"
Unlike all landlord policies, we offer rent guarantee insurance as well as loss of rent insurance.
Loss of Rent Insurance will protect you in the event that an insured event that results in a loss of rental income.
Rent Guarantee Insurance covers you if your tenants defaults on their rent. With this form of cover, you still receive your monthly rent payments until vacant possession is gained.
We’re here to make sure you are still covered for unexpected interruptions to your rent payments.
As well as protecting your property and your income, we’ll work with you to establish what level landlord liability insurance cover you need.
Landlord liability insurance is designed to protect you from injury or damage claims related to your rental property arising from third parties for example a tenant, trades person or an employee.
Claims for personal injuries, medical costs and income losses can be large – so it’s essential to ensure you’re adequately protected.
We are one of only around 5% of insurance brokers who qualify as a Chartered Broker – assuring you are in safe, capable hands. All of our property clients also qualify for a specialist team, who will always be on hand to help manage your claims quickly and easily. HM Property Clients also benefit from:
If you have a Claim then our client-focused, friendly in-house property claims team are there to help and assist you. Being a client of HM means you receive personal service, expertise and integrity.
As a landlord, when it comes to claims, you’ll have access to all of the benefits available to HM Property Clients, this includes: