Why Choose Lifestyle Residential

Property Let Insurance

Northern Ireland based claims service

24/7 Claims Line

£5000 contents automatically included as standard

Low Policy Excess

Great Value Residential Let Property Insurance

The Lifestyle Insurances Residential Let Property product is a ‘value for money’ policy based on a selected sum insured for Buildings with white goods contents of £5000 and general landlord contents of £7500 automatically included on an indemnity basis. You can choose between a single property risk or a portfolio of properties with the same renewal date.

 

Key Benefits

Contents Indemnity cover: £5000 White Goods £7500 general contents

Domestic Liability Public: £3,000,000

Extras: Accidental Cover available as an option, low policy excess, 24/7 Claims Line

Building: Sum Insured on the Policy Schedule

Loss of Rent Buildings: Any amount over 10% of schedule for buildings

Loss of Rent Contents: Any amount over 10% of the sum insured shown on the schedule for contents

About the cover - Unless otherwise stated in your policy schedule:

Let Property Cover Assumptions

  • In an area free from Flooding and is not within 100 metres of any property or development, which has Flooded or located at least 100 metres from, any river, seafront, estuary or watercourse.
  • In an area free from Subsidence and is not within 200 metres of any property or development which has been subject to Subsidence.
  • Maintained in a good state of repair, built after 1919 and not under construction, renovation, restoration or extension.
  • Of standard construction and if it has a flat roof it is no more than 25% of the total roof area covered. Any flat roof must be inspected by an independent professional at least every 5 years.
  • Protected by mortice deadlocks or deadlocking rim latches and all French doors, patio doors and accessible windows are fitted with key operated security locks and secured when the property is unoccupied.
  • Occupied by a person by virtue of an Assured Shorthold Tenancy Agreement, within the meaning of the Housing Act 1988 and 1996 and directly between You and the Tenant.
  • Not left Unoccupied for more than 60 consecutive days at any one time.
  • Ever had a proposal for insurance declined, renewal refused, cover terminated or special terms or conditions imposed by any insurer.
  • Ever been convicted of, or have any prosecution pending for any criminal offence (other than minor motoring offences).
  • Been declared bankrupt, the subject of an IVA or has any court judgements against them.
  • You accept there is no cover for any items outside the Property.
  • You accept there is no cover for Valuables under this policy.

Unless otherwise stated in your policy schedule it is assumed the property is:

  • Made more than 1 claim in the last 36 months or had any claim over £5000.

Neither You, any joint policyholder or any member of your family has in respect of the insured property:

  • You accept there is no Accidental Damage cover for Your Buildings or Contents.