Landlord Insurance

There are more risks associated with letting a property than just living in one. Do not under estimate the importance of having the right insurance for your investment. Some landlords make the mistake of relying on normal household insurance cover which is not adequate. An investment property requires specific “buy-to-let” insurance that covers a landlord from financial losses connected with their rental properties.

We are able to quote for private  homes and purpose built apartments which are owned by you that are let to families, couples and professionals.

AA Landlord Insurance is designed to give you with the highest level of protection; our policies provide full cover for a period of up to 45 consecutive days while the property is unoccupied, subject to you taking certain precautions. Please speak to one of our agents on 0818 227 228 for more details.

The building insurance should be covered by the management company in an apartment. You should always check with the management company to make sure that they have arranged this – ask them for a copy of the policy. It is vital to take out a separate policy to cover third party liability, loss of rent and contents cover.

Yes, the cover would apply to your  contents only. Your tenants would need to arrange a separate “renters insurance” policy for them to ensure adequate cover is in place. We offer home contents cover which comes with great benefits like;

• Food in your freezer (up to €1,250)
• Door lock replacement (up to €750)
• The contents of your shed or garage (up to €1,000)

Get a quote for contents insurance here

Yes, you can get immediate cover online here or it can be arranged over the phone, call us on 0818 227 228.

Landlord Insurance comes with benefits such as cover for garden and shed contents as well as;

• Owners Liability to the public (up to €3,000,000)
• Rent & alternative accommodation (up to 15% of the sums insured)
• Fire brigade charges (up to €3,000)
• Door lock replacement (up to €1,000)

Claims will vary depending on claim types and events surrounding the claim.

Landlord policies will not cover you for certain benefits that you commonly find In an Owner Occupied policy.

Benefits such as Accidental Damage to Buildings or Contents, Family Personal Accident Cover and No Claims Bonus Protection would not be Included in a Landlord policy.

While Landlord Insurance is similar to Home Insurance for Owner Occupied properties in terms of cover provided for the property owners buildings and contents, there are some differenced in benefits that come with a Landlord policy.

An example of this would be cover for the loss of rent, or costs associated with providing alternative accommodation for tenants, in the event of a claim. Meanwhile benefits such as accidental damage and family personal accident cover would not be included in a Landlord policy. The differences in cover can be found here.