Landlord Insurance

Protect your assets with insurance you can trust

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Why you need landlord insurance

Whether you are purchasing a property as an investment, or inherited property from a family member, this represents a high value investment and you need to ensure you have the relevant insurance in place to protect, not only your investment,  but you as the landlord too. 

If you own a tenanted property across the Channel Islands or UK, Islands can ensure you have the appropriate insurance for your needs. There are a number of risks that landlords are faced with including fire damage, tenant injuries, burst pipes, theft and rental loss. 

At Islands, we understand the importance of having a tailored insurance policy that can cover your unique needs as a landlord when letting or leasing a property. Our flexible policies can offer a great level of protection with benefits that include coverage of all your properties under one policy, legal liabilities cover of £5 million, and a 24-hour helpline. Our professional team here at Islands would be delighted to assist you in choosing a policy that suits your own personal needs.  

Covers & benefits provided

Our landlords insurance is comprehensive and designed with Channel Islanders in mind.

Buildings

Whether you own or rent the buildings you need to consider insurance not just for the bricks and mortar of the property but also any internal improvements you have made, such as installing a new kitchen or bathrooms. Any external outbuilding, driveways, walls etc. also need to be taken into consideration when insuring the premises for their full rebuilding costs (including professional fees and the cost of site clearance).

Loss of Rent / Alternative Accommodation

Protect your income and re-home your tenant(s) should your property become uninhabitable following an insured event, such as fire, flood or storm damage.

Property Owners Liability

Cover for third party injury & property damage included as standard for up to £5,000,000 with a further available option to increase to £10,000,000.

Malicious and Accidental Damage (optional)

Coverage in the unfortunate event that your tenants damage your property.

Landlords Contents

Do you let your property furnished? Ensure these items are also covered.

Trace & Access

Coverage to trace the source of leaks automatically provided.

Standard Coverage

Your policy will generally cover you for a number of insured events, such as:

  • Fire
  • Lightning
  • Explosion
  • Earthquake
  • Flood
  • Storm
  • Malicious Damage
  • Theft
  • Accidental Damage

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.

Cancellation

You can cancel your policy at any time by contacting us.

Why choose Islands?

Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our community

We are proud to support the local community through several sponsorships and partnerships, helping to protect our rich heritage and take care of our beautiful islands.

In-House Claims Team

Friendly, experienced in house claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

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Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Jersey
Guernsey / Alderney / Sark