Halifax Landlord Insurance

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Halifax Landlord Insurance
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Are you thinking about Halifax landlord insurance is an insurance provider? If so, we've written this article to give you some guidelines before you visit their site and buy a policy, if you choose to do so.

Halifax bank and these days thanks can be trusted, and yes there are out to make money, but they can also provide financial assistance, regarding insurance for your letting business.

Just like any company, thanks do have customers that complain because the policy wasn't cancelled on time or a direct debit or standing order from your bank account wasn't cancelled, and they keep taking the money.

Most of the issues customers and banks face is because of lack of communication, but banks are a financial force and they will pay back any money that is due to you, if and when your policy was cancelled. If you have any issues, they are on the phone or email, 9 am to 5 pm - Monday to Friday.

Here's a link to a customer complaint that may interest you, but please be aware that this is only one customer as Halifax have millions of happy customers, so they must be doing something right.

Here's a link: http://www.propertyinvestmentproject.co.uk/blog/halifax-landlord-insurance-have-irritated-me/

How Halifax Works with Landlords

Halifax uses a broker named, Arthur J. Gallagher Insurance Brokers Limited to compare landlord insurance quotes, Only because that broker can provide Halifax customers with a service that Halifax can't.

A lot of companies do this, customers, because landlords insurance is not Halifax's main product. This shouldn't deter you from asking for a policy as it's free anyway, and what have you got to lose?

Take a Look at What Halifax Can Provide

  • The can provide you with an easy quote just like any other comparison website
  • You can ensure up to 5 properties on one landlord insurance policy with Halifax.
  • Policies are underwritten by RSA Insurance Group PLC, who are compliant, and Financial Conduct Authority recognised.

Halifax can also provide you with specialist advice, during the quote or after you have a policy with them. Knowing your policy is what matters in your letting business because you need to know what is covered and what is not.

Halifax can help with...

  • Search the whole UK market for you by using their partner, Arthur J. Gallagher Insurance Brokers Limited. This can save you a lot of hassle looking everywhere for a policy, is landlord insurance is not like home insurance or any other insurance for that matter.

  • They can also tailor your quotes and policy if you own multiple properties or if you own all the property is like listed buildings or a block of flats.
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What a Halifax Insurance Policy Looks Like

Buildings Insurance

Halifax will protect your building in the event of any damage; they will also fit the repair bill if your structure needs to be rebuilt. So, basically, any vandalism fire of storm damage is covered by the policy.

Landlord’s content

Every landlord has assets and the assets come in the form of furniture and what's inside the property you own, including washing machines, tumble dryers, fridge freezers, fixtures and fittings and every business expense that cost you money can be insured with a contents insurance policy by Halifax.

Property owner’s liability

Just like any good landlord insurance policy, you want public liability insurance, and that's what Halifax can provide, which is integrated into the policy. Liability cover can also protect you if you are negligent in any way throughout your letting business,

Let's hope that never happens.

Loss of rent

If you are a buy to let mortgage holder and that you depend on that rent coming in on a month by month basis, you may want to add loss of rent or rent guarantee insurance some landlords know this by

If your property becomes uninhabitable whatsoever, just say you are flooded out, or your property is burnt to the ground, this policy will keep paying your rent for a certain amount of time. 

Every insurer is different so you must ask how long they will pay that rent for. Loss of rent insurance is also an excellent way to keep your cash flow in order, now that is important.

Accidental Damage

Damage does happen, even you personally damage things accidentally, it happens, it's a human error, which there will never be a cure for, "(well maybe in the future as technology changes)".

So if anything happens accidentally, you can add this insurance to pay for the costs, if it's worth claiming. Accidental damage caused by tenants occur over time, you will undoubtedly bump into one of these occurrences at one time as a UK landlord.

Dreaded subsidence, landslip and heave

If over time you start to see subsidence or a landslip, repairing this can empty one's bank account without a buildings insurance policy in place for that particular property.

It may seem like you are paying for this insurance every single year and not making any claim whatsoever, but when you need it, you'll be so glad you have a policy like this because that building could be sitting for years empty until you gather the money to repair this yourself.

Employer’s liability

If you're a portfolio landlord, and you employ a joiner, a plumber or a glazier, you will need employers liability insurance, you can add this to your landlord insurance policy, through Halifax

Legal expenses

It's not very nice standing in court explaining yourself, without the proper representation. Legal expense cover is usually an add-on to your landlord insurance policy, but well worth it when you can pay for the best lawyers, just in case you have to pick somebody one day or you end up in court as a negligent landlord, you never know.

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How to Contact Halifax

Halifax landlord insurance can be contacted on this number: Call 0345 241 3410 during normal business hours, which are 9 AM to 5 PM Monday to Friday.

We hope this Halifax landlord insurance article helps you before you make a decision if it does please like us on Facebook or bookmark our page.

Click here to get more information on buy to let insurance by visiting our home page.

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