HomeLet have provided some very detailed information about this great product and here it is:
Landlord's insurance+ Fact sheet
# Landlord's Insurance+ provides a full range of cover which includes:
Contents insurance for furnished or unfurnished properties
Prestige Rent Guarantee
# HomeLet's new Building insurance automatically provides cover for up to £500,000
# If something really serious happens such as a fire or flood and the tenant has to move out, the policy covers landlords for the loss of rent or re-letting costs for up to two years (or a maximum of £50,000)
# Emergency Assistance cover is included for free with Buildings and / or Contents for furnished properties insurance and comes with the option to add on boiler and heating cover.
# The Buildings policy has variable excesses including a 'nil excess' option
# If it's a leasehold property, HomeLet Contents for furnished properties insurance will automatically cover kitchen fixtures and fittings and bathroom sanitaryware
# The Contents insurance now covers the landlords' contents in the garden such as garden furniture or ornaments
# HomeLet will provide new for old replacement of landlords' contents
# Landlord's Insurance+ also provides £5 million property owner's liability and £10 million employer's liability because if a tenant or an employee injures themselves and the landlord is found to be negligable there could be a hefty bill to pay!
# Premiums for most Building insurance policies are based on the properties rebuild value. A common mistake is to cover the market value of the house which is often much higher, leaving the owner over-insured and paying more than they need to. HomeLet's automatic Buildings cover up to £500,000 takes away this probleml
# HomeLet's Landlord's Building insurance is bedroom-rated which generates a more accurate premium for the property
# Because the product is bedroom rated landlords only need to fill in their personal details and answer four questions to receive a competively priced Buildings insurance premium indication
# HomeLet's Landlord's Building and Contents insurance policies include 90 day no restriction cover for when the property is empty between tenancies, meaning landlords are insured during void periods with no onerous inspection requirements.
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