Landlord Insurance | BBi Ireland
We can arrange landlord insurance policies that are tailored to your specific needs. Whether you own a single rental property or manage a portfolio, insurance can offer peace of mind with protection that includes buildings insurance, liability coverage, and options for loss of rental income. Let us help you focus on growing your property business while we take care of the risks.
Landlord Insurance | BBi Ireland
We can arrange landlord insurance policies that are tailored to your specific needs. Whether you own a single rental property or manage a portfolio, insurance can offer peace of mind with protection that includes buildings insurance, liability coverage, and options for loss of rental income. Let us help you focus on growing your property business while we take care of the risks.
What is Landlord Insurance?
Landlord insurance is a specialised type of insurance designed to protect property owners who rent out their residential or commercial spaces.
Unlike standard home insurance, landlord insurance provides coverage for risks specific to rental properties, such as accidental or malicious damage caused by tenants, loss of rental income due to unforeseen events, and legal liability in case of injuries sustained on the property.
This tailored protection ensures landlords can safeguard their investment and handle unexpected situations with confidence, giving them peace of mind while managing their rental properties.
We understand landlords have specific requirements and the solutions we arrange can protect both the buildings and the internal contents.
Why Choose BBi as a Broker Partner
Our Heritage
Dedicated Account Manager
We have specific service level agreements with insurer partners, ensuring our clients get a great service.
In-house Claims Team
BBi Ireland has an experienced team of professionals looking after your needs when you need us the most.
35+ years’ experience
With up-to-date knowledge of the latest legislation and health and safety issues faced by companies across Ireland.
Flexible Cover
Our cover and payment methods are flexible so you can choose the option that suits your business needs.
One Stop Shop
We can arrange cover for a wide range of business and personal insurance requirements.
What Can Landlord Insurance Cover?
Landlord insurance can offer a package of protection that allows you to cover multiple risks on a single policy, depending on your policy wording. Some common elements that you should look to include in your policy are:
Property Owners' Liability Insurance
Vital protection if tenants or visitors experience injury or property damage. For example, if someone is injured in communal areas or accidents occur on the premises.
Alternative Accommodation Insurance
Pays for temporary housing for tenants if the property becomes uninhabitable due to damage, ensuring they have a place to stay while repairs are made.
Landlord Liability Insurance
Can protect you against legal costs and compensation if a tenant or visitor is injured on your property due to your negligence.
Loss of Rent Insurance
Compensates you for lost rental income if the property becomes uninhabitable due to an insured event, like a fire or flood.
Tenant Default Insurance
Covers loss of rent if your tenant stops paying or breaches the tenancy agreement.
Contents Insurance
Protects your furniture, appliances, and other items you provide in the rental property if they are damaged, stolen, or destroyed.
Buildings Insurance
Covers the cost of repairing or rebuilding the property’s structure if it’s damaged by events like fire, flooding, or storms.
Get protected today
Discuss your landlord insurance needs with our specialist team. Email us, give us a call or visit our Cavan office for an expert consultation.
Frequently Asked Questions
It’s important to get the right Landlord Insurance for your business. To help you do that, here are our frequently asked questions about Landlord Insurance. If you’d like some independent advice, please call us on +353 49 433 1038, and the team will be happy to help.
We can arrange cover that spans the complete needs of landlords, including property damage, tenant risks, and rental income.
While standard coverage can help protect against some risks, these policies rarely address the risks native to the landlord sector adequately.
Contact our team to discuss your property portfolio requirements.
We’ll clearly explain policy limitations during the consultation phase
We can arrange cover for a wide range of tenant types, including:
- Private rental clients
- Commercial tenants
- Asylum seekers
- DSS and housing benefit claimants
- Housing association tenants
- Local authority tenants
- Multi-tenure occupiers
- Owner-occupiers
- Students
Landlord Insurance is essential for anyone who rents out their property. It covers the building, rental income, tenant-related risks, and potential liabilities associated with renting a property.
However, home Insurance is intended for homeowners living in the property and focuses on covering personal belongings and the building itself from typical home risks, without considering the unique challenges of renting out a property.
If you’re renting out a property, landlord insurance is a necessity to ensure you’re adequately covered against the unique risks that home insurance doesn’t address.