We have found that a number of our clients have effected insurance on their investment property via their bank’s insurance arm on the understanding that this policy is a landlord protection policy.

If you have such insurance, please check the policy wording as it may not cover you for loss of rent, legal liability and malicious damage. Whilst doing so check the excess in the event of a claim as a large volume of insurers have separate excesses for loss of rent, cleaning and malicious damage.

By reviewing your policy you could be saving money and anxiety in the event of a claim.