Landlords Buildings & Contents Insurance

Accepted Types of Tenant

Only the following types of tenant(s) are acceptable to our insurers:

Employed / Students / Retired
Tenants in full or part time employment or education, are self-employed or retired.

DSS or Benefit Claiming
Tenants on unemployment, housing or disability benefit with a tenancy agreement directly between the tenant and the landlord or their appointed letting agent.

Unoccupied Extended
A property that is vacant from inception of the policy and is on the market to be let to Employed / Students / Retired / DSS or Benefit Claiming tenants..

** PLEASE NOTE THAT WE DO NOT ACCEPT OWNER OCCUPIED PROPERTIES OR PROPERTIES THAT HAVE LODGERS **

If your tenant type is not listed above, please telephone JBI for a quotation on 0118 970 3777

Telephone lines are open 9am – 5pm, Monday – Friday

Excesses

The Standard Policy Excesses are as follows:

Employed, Student, Retired and DSS or Benefit Claiming tenancies
£250

Escape of Water Claims
£500

Unoccupied properties
£250

All grade listed properties, individual flats (excluding Scotland) and any property with more than 50% non-standard roof
£500

Subsidence, Landslip or Heave
£1000.

Any other additional specific excess that may be applied will be advised to you.

Unsure of your Rebuild Sum Insured?

You must select a rebuild sum insured that covers the full rebuild cost of your property, not the market value.

As a large number of the property owners we speak to are unsure of the exact rebuild sum insured required for their rental property, we designed our policy to offer a choice of set sums insured to choose from as follows:

Rebuild Sum Insured up to:
£100,000, £125,000, £150,000, £175,000, £200,000, £250,000, £300,000, £400,000, £500,000, £750,000

The rebuild or reinstatement value of a property is usually stated within a surveyors report obtained for mortgage purposes. You may also seek guidance on how much to insure your property for by visiting the Association of British Insurers’ (ABI) website: http://abi.bcis.co.uk

JBI International Insurance Brokers Ltd is not qualified in any way to advise you on how much you need to insure your property for. It is your sole responsibility to ensure that you have sufficient cover in place.

About this policy

Landlords Insurance Made Easy (LIME) Buildings and Contents insurance is arranged by JBI International Insurance Brokers Ltd (JBI) in partnership with and underwritten by U-Sure Insurance Services Ltd on behalf of Royal & Sun Alliance Insurance PLC.

JBI International Insurance Brokers Ltd have been trading for over 30 years and have a wealth of experience in providing insurance solutions to niche markets with rental property insurance being one of them.

Our aim is to provide excellent customer service at all times and in the unlikely event that this does not occur we will always act extremely quickly to put things right. It is our intention to make both the process of purchasing insurance and the ongoing servicing of your policies as simple as possible.

JBI (FSA Register No. 308981), U-Sure Insurance Services Ltd (FSA Register No. 315451) and Royal & Sun Alliance Insurance PLC (FSA Register No. 202323) are all Authorised and Regulated by the Financial Services Authority. Full details are available at the FSA website: www.fsa.org.uk

JBI International Insurance Brokers Ltd are members of the British Insurance Brokers’ Association (BIBA) and the Institute of Insurance Brokers (IIB).