The main type of insurance a landlord requires is building insurance in the case of damage to the property. It is wise for a landlord to also obtain landlord’s insurance. This covers the cost of damage to any contents in your property or solicitor’s fees which occur due to non-payment of rent.
Typically a landlord’s insurance only covers damage to the structure of the property and against any liability as a landlord. If a tenant wishes to insure their own personal belongings, it is important that they have their own insurance cover. Additionally, a landlord does not have the capacity to insure someone else’s personal belongings.
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