Student Landlord Insurance

A student let is defined as a property rented by a student or group of students during the period that they’re studying for their degree or qualification at university or college.

There is a higher, or perhaps “different” level of risk when renting to students. Accidents happen – especially if this is the tenant’s first experience of living independently and they view this as very much a temporary home! Broken floorboards, damaged fixtures, taps left on…  And there are often higher rates of house thefts in student areas – especially during the holidays when the property is likely to be unoccupied – so taking care of the things more likely to occur is the best way to reduce the harm if they do happen.

Student landlord insurance as a separate entity is not a legal requirement. But it is a wise choice in order to fully protect your investment.

Typically, a student’s own property, such as a laptop, bike, or other devices, will not be covered by the landlord’s insurance. Therefore, they should have their own insurance.

Student landlord insurance covers items provided by the landlord – fixtures and fittings, cookers, fridges, heating systems, etc.

While student houses do have multiple occupancies, different and specific conditions apply. Student lets tend to be for a year, they’re away during the holidays, and the risks are not the same. If you’re in any doubt as to what category your property falls under, we suggest speaking to one of PML’s team who can help with landlord insurance for student lets.

Yes, it will. We offer specific student landlord policies that protect your property from damage – both accidental and malicious – caused by students.

Yes, we’ll work with you to create a student landlord insurance policy that covers the times when your student property is left empty during the holidays. Just make sure you continue to follow any policy conditions you may have.

We can provide legal expenses for up to £100,000 at no extra cost.*

• Limit of indemnity (per claim) £100,000
• Legal defence
• Recovery of rent arrears
• Repossession of residential property
• Property disputes
• Property damage, nuisance, and trespass

*Please note this is available at no extra charge if you take out a policy with MS Amlin. We have a panel of thirteen insurers, most of which offer cover for legal expenses.

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