Loss of Rent Insurance

Loss of Rent Insurance will compensate landlords should a property become uninhabitable following an insured event; such as a fire or flood. If your property is mortgaged or the rental income is vital to your cashflow then you would be taking a great risk insuring just the building and not the rent. To get a quote or advice call 01905 21681.

Cover can normally be selected to cover rent for periods of up to 12, 24 or 36 months. You should be careful not select too short a period or payments will cease before the property is habitable again.

Some property owners policies will not ask what rental cover you require as they will give a standard level of cover proportionate to the buildings sum insured.

In most cases Loss of Rent insurance is combined with buildings insurance. This can be a problem if you rent out a property but you are just the leaseholder and the building is insured by the freeholder. One solution is to include the cover you require on the landlord's policy whilst also noting your interest - but this requires a cooperative freeholder and can be difficult in practice. Alternatively, Sutcliffe & Co are able to provide stand alone Loss of Rent insurance.

Rent will not be protected if your tenant goes into liquidation and defaults on payments. Sutcliffe & Co can cover this risk with forms of Credit Insurance, which in effect guarantees your rental income. This can also be useful if you need to secure loans or as an alternative to large deposits.

If you would like assistance protecting your rent please call us on 01905 21681 or send an email.

Act now! Call us on 01905 21681 to get your insurance needs met

"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

Dermott Quinn, Managing Director Ductbusters Ltd

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"I highly recommend the Sutcliffe & Co team both for their proactive ongoing annual renewal work & also for helping during a recent claim. Its great to know we have a local firm with people we can rely on."

Julian Powell, Business Director, HallmarkHulme Solicitors

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“We had been with our current broker for several years and had become complacent. An increase in premiums led us to want to cross check with an alternative broker and we chose Sutcliffe. We found them a breath of fresh air; there was a transparency in our dealings, their advice gave us options and they found competitive ways of providing insurance from high quality companies."

Chris Oliver, Director, CHANE Investments Ltd

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“Talbot Transport has been with Sutcliffe and Co for many years and have the greatest confidence in their service. We like their friendly and personal staff and feel they have a good understanding of our business. Any problems we have are dealt with swiftly and smoothly with the least amount of disruption to our daily business”

Sophie Talbot, Partner, Talbot Transport

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“I was thrilled when I found Sutcliffe & Co, friendly, efficient and with competative prices. Their expert advisor really helped me through the insurance minefield and he went that extra mile that other companies just did not...."

Michelle Davies, Office Manager, Davies and Daughters Building Contractors

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"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

Anthony Eddies-Davies, Director, Live The Adventure Ltd

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Sutcliffe Insurance Brokers Ltd t/a Sutcliffe & Co is authorised and regulated by the Financial Conduct Authority 306068
2 Foundry Street, Worcester, WR1 2BJ tel:01905 21681 | Registered in England No 1167560

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