landlord insurance

Exclusions and limitations

Please refer to the policy document for terms and conditions.

These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to under insurance as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms & conditions may be applied in certain cases. Excesses apply to certain types of claim.

Property damage excludes:

• Storm, theft, accidental/malicious damage, burst pipes or sprinkler leakage in an unoccupied building. See policy condition 13 for terms & conditions.
• Theft of contents not involving forcible and violent entry to or exit from the premises, or to items in gardens or landscaped areas. See Event 11 of Section 1 for terms & conditions.
• Storm, tempest or flood to fences, gates and property in the open. See Event 7 of Section 1 for terms & conditions.

Felt Roof Condition – you must ensure that any felt roof over seven years old is inspected annually and any remedial work required completed. See Condition 3 of Section 1 for terms & conditions.

Property Owners Liability excludes:

• Asbestos - we will not be liable for legal liability in respect of injury loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos.
  
  Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodity article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage.