Landlord Insurance
Owning a rental property comes with significant financial opportunities, but it also carries unique risks. Landlord insurance is designed to protect property investors from the unexpected, offering cover that goes beyond standard home insurance. From damage caused by tenants to loss of rental income, landlord insurance provides a safety net that ensures your investment continues to generate returns even when unforeseen challenges arise. It’s an essential tool for any property owner looking to protect their assets and reduce the stress of managing a rental.
Our comprehensive landlord insurance solutions include cover for accidental or intentional damage, loss of rent due to tenant default or uninhabitable conditions, legal liability, and protection against natural disasters. Our policies also extend to cover landlord-owned contents, fixtures, and, in our Premier solution, issues like methamphetamine contamination.
With flexible options tailored to the needs of property investors, landlord insurance offers peace of mind that your rental property is safeguarded, allowing you to focus on building long-term wealth with confidence.
This policy at a glance
Product:
Landlord Insurance – cover for landlords protecting them from losses associated with the tenancy of their property
Underwriter:
Certain Underwriters at Lloyd’s of London – lead syndicate Beazley 2623
Target Market:
Commercial entities
Policy Term:
Annual
Why choose Hummi for Landlord Insurance
Protect your rental income with cover for loss of rent if tenants default or your property becomes uninhabitable
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Gain peace of mind with specialist insurance designed specifically for landlords and their unique needs
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Comprehensive coverage backed by global strength and certainty delivered through Lloyd’s of London
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Discover how Hummi keeps Company Name in tune
Landlord Insurance Coverage Summary
Keep your business in tune with Hummi risk protection
What's covered?
- Loss of rental income
- Landlord’s contents
- Intentional or accidental damage
- Legal liability
- Pet damage
Excesses
- Attractive low excesses
- Avoidance of multiple excesses for different types of damage found in a single inspection
Underwriting approach
- Efficient, transparent and risk-aware underwriting approach designed to give certainty to Property Managers and Landlords.
Specialist support
- Policies and claims are handled by a team who understand tenancy issues, making the process smoother and more empathetic for landlords
Key exclusions
- Holiday or short-term rentals
- Coverage is only available for properties that are professionally managed by an Approved Property Management Company.
- Owner occupied properties
Important information about this policy
Fair Insurance Code:
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Cooling off period:
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Dispute resolution:
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Complaints:
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FSP Number:
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How to make a claim
To lodge a claim, contact your property manager, who will complete and submit the claim form on your behalf to Hummi. You’ll need to provide relevant details such as the tenant’s information, tenancy agreement, rent records, and evidence of any damage or loss (e.g. photos, invoices, inspection reports). The property manager will work directly with us throughout the process, ensuring claims are handled efficiently and in line with policy requirements.