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1 redbrick landlords insurance Specialist Insurance for Landlords Our experience is your security

2 redbrick landlords insurance Welcome to Redbrick Landlords Insurance Investing in property is a significant long-term commitment which should be protected with insurance that meets the sophisticated needs of the residential and commercial landlord. Redbrick Landlords Insurance offers a range of specialist landlord insurance products designed to meet those needs. As specialists in the buy-to-let insurance market we offer competitive insurance products through a panel of specially selected insurers. Each of our products is designed to help you manage your business more effectively, reduce risk and improve profit whilst safeguarding your property investment. We offer A range of specialist landlord insurance products Portfolio Insurance cover; cover all of your buy-to-let properties with one easy-to-manage policy Insurance products from a panel of major insurers including Aviva, AXA and MMA Peace of mind; as a member of The Paragon Group of Companies the UK s leading specialist buy-to-let lender - you can be sure that we fully understand the complex insurance needs of property investors Our insurance products Redbrick Landlords Insurance provides a range of specialist products designed to take as much of the risk as possible out of residential property investment: Page Portfolio Insurance 3 Landlords Building & Contents 4 Legal Expenses & Rent Guarantee 5 Legal Expenses 5 REDBRICK TERRACE All risks protection Theft & malicious damage cover Landlord s legal liabilities Landlord s contents cover REDBRICK TERRACE All risks protection Tenants Contents 6 Call on Theft & malicious damage cover Landlord s legal liabilities Commercial Properties 7 Landlord s contents cover Landlords Residential 8 Call on UK Holiday Homes 9 2

3 Portfolio Insurance Redbrick Portfolio Insurance is a new and carefully tailored service, aimed at landlords who own five or more investment properties. One policy covers your entire portfolio, resulting in significant savings in both time and money, compared with the more traditional approach of taking out a single policy each time a new investment property is acquired. In addition to helping you save on premiums, negotiating the best available cover from our insurers is a top priority. The enhanced cover available to Portfolio insurance customers includes: All risks protection for your investment properties under a single, easy-to-manage policy Automatic loss of rent and alternative accommodation cover for up to 30% of the building sum insured Theft and malicious damage cover even when caused by the tenant Landlord s legal liabilities cover, where buildings cover is chosen Automatic cover for Landlord s contents of up to 5,000 per property Flexibility to add or remove properties at any point throughout the policy Cover for semi-commercial properties For more information and to obtain a no-obligation quote please call our specialist insurance team on

4 Landlords Buildings & Contents Our comprehensive insurance cover protects your investment property, against all major perils, offering you total peace of mind throughout the year. Building and Contents insurance can be purchased separately or as a combined policy, depending on your insurance requirements. Key features No additional charge for void periods of up to 90 days Loss of rent / alternative accommodation expenses as a result of insured damage up to 30% of the building sum insured Includes landlords legal liabilities to employees and the public Replacement of locks and keys following theft Optional accidental damage cover Buildings and Contents cover available separately Option to pay by monthly direct debit Our comprehensive policy will protect your property against all the major causes of loss or damage, including: Fire, smoke, explosion, lightning, earthquake and flood Theft or attempted theft following violent and forcible entry Theft and malicious damage by tenants Escape of water Riots or civil commotion Collision and falling trees Employers liability up to 10 million Public liability up to 5 million Legal liability incurred under the Defective Premises Act Standard excesses Occupied properties Unoccupied properties 250 For a no-obligation quotation and to arrange insurance for an individual let property please visit or call

5 Legal Expenses and Rent Guarantee Even a good tenant can experience financial difficulties, which can result in costly legal expenses and loss of rental income. Our dual cover will protect against costs involved with eviction proceedings and tenant disputes, as well as covering rent owed by the tenants. Full legal expenses up to 10,000 per claim (minimum amount in dispute must exceed 250) Payment of monthly rent up to 2,500 per month (maximum 10,000 per claim) A specialist legal team committed to providing you with the highest level of service and dealing with the whole process on your behalf 6 months cover for just or 12 months cover for (including Insurance Premium Tax) Dilapidations costs can be claimed when contained within a dilapidations inventory Excess of one month s rental income Legal Expenses Alternatively, landlords can just choose our Legal Expenses cover, which will protect against costs involved with eviction proceedings and tenant disputes, should they become necessary. Full legal expenses up to 10,000 per claim (minimum amount in dispute must exceed 250) A specialist legal team committed to providing you with the highest level of service and dealing with the whole process on your behalf 12 months cover for just (including Insurance Premium Tax) Dilapidations costs can be claimed when contained within a dilapidations inventory No excess To purchase either of these products for an individual let property please visit or call NB. Claims cannot be considered without a signed tenancy agreement and a satisfactory tenant reference. For more information on tenant referencing please visit our sister company Redbrick Tenant Assessment at or call

6 Contents Insurance for Tenants This policy is available to tenants living in residential property throughout the UK, including houses, flats, bed-sits, shared accommodation and student halls of residence. Our comprehensive policy will protect your property against all standard risks, including: Fire, smoke, explosion, lightning, earthquake Storm or flood Theft or attempted theft consequent upon violent and forcible entry Escape of water Malicious damage consequent upon violent and forcible entry Riots or civil commotion Collision, falling trees or branches Additional benefits include: Accidental damage to home entertainment equipment Accidental damage to mirrors and glass Accidental loss of oil and metered water Temporary removal Alternative accommodation up to a maximum of 20% of the sum insured Tenants liability to the public up to 2,000,000 Domestic employers insurance up to 10,000,000 Automatic cover for personal accidents Option to pay by monthly direct debit Accidental Damage to Landlords Contents The policy includes full accidental damage cover to landlords contents which provides peace of mind for landlords, whilst helping to protect the tenant's deposit. For a no-obligation quotation and to arrange insurance for an individual let property please visit or call

7 Commercial Property Insurance Our commercial property insurance is suitable for a wide range of customers, from individuals who own one or two commercial properties to large commercial organisations with extensive property investment portfolios. Offices, including taxi offices, travel agents, and estate agents Hairdressers and beauticians Restaurants, including cafés and high risk eateries, such as fast food takeaways Dental surgeries Car accessory stores Furniture stores Garden centre Includes properties with a combination of residential and commercial usage, such as offices, shops, restaurants with residential accommodation attached Key features: All risks protection Landlords fittings and fixtures Replacement of locks and keys following theft Full accidental damage cover Loss of rental income for 36 months (subject to additional premium) / Up to 20% Loss of Rent (subject to additional premium) Employers liability up to 10 million Public liability up to 2 million 250 standard excess Option to pay by monthly direct debit For a no-obligation quotation and to arrange insurance for an individual let property please visit or call

8 Landlord s Residential Cover Competitively priced Buildings and Contents cover for your own residential property, with a discount if both Buildings and Contents insurance are purchased. Alternatively each product may be purchased separately. Key features Buildings insurance covering loss or damage by all standard risks Home contents insurance with the option of personal belongings cover Alternative accommodation up to a maximum of 20% of the sum insured Free 24 hour emergency helpline Glass replacement service Loss or damage to personal possessions in Europe and anywhere in the world for up to 60 days Option to pay by monthly direct debit Optional accidental damage cover Liability for domestic employees up to 10 million Public liability up to 2 million Property owner s liability up to 2 million Our comprehensive policy includes protection against damage caused by: Fire, smoke, explosion, lightning, earthquake Storm or flood Theft or attempted theft consequent upon violent and forcible entry Escape of water Malicious damage consequent upon violent and forcible entry Riots or civil commotion Collision, falling trees or branches For a no-obligation quotation and to arrange insurance for an individual let property please visit or call

9 UK Holiday Home Insurance As an extension to Redbrick Landlord's Residential Cover, we can arrange specialist insurance for second homes or additional properties you let out as holiday homes. Finding the right insurance is vital for properties that may be vacant for long periods of time. Key features Building and/or Contents insurance available Protection against all standard risks covered by the Landlord's Residential policy Loss of rent / alternative accommodation expenses as a result of damage covered by the policy up to 30% of the sum insured Employers liability up to 10 million Public liability up to 5 million Legal liability incurred under the Defective Premises Act Accidental damage cover is also available. Standard excesses Occupied properties Unoccupied properties 250 For a no-obligation quotation and to arrange insurance for an individual let property please visit or call

10 About us Redbrick Landlords Insurance is a member of the Paragon Group of Companies, one of UK s largest buy-to-let mortgage lenders with 9.5 billion of loan assets under management. Our objective is to offer landlords a range of insurance products to meet their portfolio needs while at the same time providing a flexible, personal service to our customers. Redbrick Landlords Insurance is a trading style of Redbrick Real Estate Services Ltd (Registration Number ). Redbrick Real Estate Services Ltd is an appointed representative of Mortgage Trust Services plc which is authorised and regulated by the Financial Services Authority. Telephone Fax insure@redbrick-li.co.uk Address Redbrick Landlords Insurance St Catherines Court Herbert Road Solihull West Midlands B91 3QE All lines open Monday - Friday, 8.30am pm 10 RLI4111 (07/2009)

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