Are there any restrictions on the covers?

As with all policies, there will be terms and conditions. The main consideration is when you are able to make a claim. For legal disputes, the amount in dispute must be more than £1,000. For eviction, the rent arrears must be over £250.

What do you define as “nuisance emanating from a property”?

“Nuisance emanating from a property” is defined as something that causes inconvenience or damage to the use of your property. This could come in many forms, the most common of which are noise, smell, and damp coming from adjoining properties.

If I change my tenant, am I still covered?

Yes, the insurance is based on the property. As long as there is a tenancy agreement in place then the insurance will be valid.

Do I need landlord legal expenses insurance?

There is no legal requirement for the product, although it is highly advisable to avoid lengthy and costly legal disputes.

How many tenants can I cover on this policy?

You can cover up to 25 tenants on this policy in a student let/HMO (House of Multiple Occupancy). You will need a separate policy for each tenancy agreement.

Will claims always be covered?

As this is a legal policy, a factor called “chance of success” is used. This means if there is a good chance of success in the courts (over 50%), the claim will be covered. This is to stop frivolous claims being pursued where there is limited chance of success e.g. where the correct procedures for notification of eviction have not been followed.

Landlord Legal Expenses Insurance

Name: Landlord Legal Expenses Insurance
Brand: Alan Boswell Group
Rating: 4.9 (1420 reviews)

Landlord legal expenses insurance provides legal advice and cover for legal costs should a dispute relating to your property and tenant(s) arise, such as legal action and court proceedings, up to £100,000. For example, you can benefit from having legal expenses insurance if a tenant damaged your property, if you need to evict your tenant(s), or if you wanted to seek unpaid rent.

Landlord legal expenses cover is essential for landlords who want to keep control of their property at all times. Usually tenancies run smoothly and there is little cause for concern, however, when it does go wrong there can be lengthy and costly legal disputes.

The Alan Boswell Group Difference

We appreciate that when you’re letting a property there needs to be a continuous income flow. If something jeopardises this income, action needs to be taken quickly. That’s why we have worked to develop landlord legal expenses cover; a product that covers the major legal issues a landlord could face and provides support so situations are remedied quickly and efficiently.

Our landlord advice hub is full of useful information to help landlords and property owners find the advice and products needed.

How our customers rate us

Professional, knowledgeable, efficient, friendly. Nice to be able to talk to a person rather than online.

Mrs Reed - Landlords Insurance

4.9/5 1420 reviews

Landlord legal expenses insurance in detail

Landlord legal expenses cover is an important product for landlords who wish to protect their rental properties.

Eviction cover

Cover for up £100,000 of legal expenses to gain possession of your property. This includes issuing any section notices.

General property disputes cover

£100,000 cover for legal expenses incurred in legal disputes for: terms of tenancy, damage caused by nuisance, dilapidations to the property.

Repair and renovations disputes cover

Cover for legal expenses incurred in contractual disputes with a contracting party over the repair and renovation of the insured property.

Health & safety prosecutions

Legal expenses incurred in defence of a criminal prosecution under the Health and Safety Act.

Tax investigation cover

Professional expenses incurred for representation during a HMRC investigation.

Rent recovery

Recovery of undisputed debt for rent unpaid by a tenant.

Access to legal advice

We have a helpline open 24/7 dedicated to offering you the best legal advice.

Removal of squatters by interim possession order

Cover for legal expenses incurred solely for the serving and enforcement of an interim possession order to remove squatters from the property

Replacement of locks following legal eviction by bailiff or sheriff

Cover for the reasonable costs incurred in replacing the locks on the primary door of the property following the legal eviction of the tenant(s) by a court-appointed bailiff or sheriff

Storage of tenant’s goods following legal eviction by bailiff or sheriff

Cover for costs incurred in the storage of the tenant’s goods following the legal eviction of the tenant(s) by a bailiff or sheriff.

If tenants already occupy the property and you wish to take out this policy midway through their tenancy there will be a 60 day exclusion period before any claim can be submitted.