The FSA is the independent watchdog that regulates financial services. Hepburns Insurance Services Ltd is authorized and regulated by the FSA. Our FSA Register number is 313541. In accordance with the regulations, a Customer Complaints Guide and details of the Financial Ombudsman Service are available for PDF download
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Is your rental property fully insured
Many landlords make the mistake of thinking that they are covered by their buildings insurance for letting the property to tenants. However, the reality is that a standard home insurance policy will often exclude cover for any property from which revenue is earned; and any claims made on such a policy might be rejected by the insurer.
As a landlord you have legal responsibilities towards your tenants in a way that you do not have for your own home. In addition, by letting a property out to a tenant, you are effectively operating as a business, even if the income is very small.
For this reason a specialist landlord insurance - which includes Landlord Liability cover - is vital if you own a rental property..
Grants - in partnership with Hepburns Insurance Limited - have designed a specialist landlord policy which will provide you with all the cover you need for your rental property. It is exclusively available to Grants' landlords.
The table below shows exactly how Hepburns Specialist Landlord Building and Contents Insurance compares with standard home insurance policies.
| Potential Loss | Hepburns Insurance | Standard Insurance |
| Cover whilst property is let | ✓ | ✗ |
| Malicious damage by tenants | ✓ | ✗ |
| Loss of rent following an insured peril | ✓ | ✗ |
| Landlord liability | ✓ | ✗ |
| Vacant property cover | 90 Days | 30 days |
| Contingency cover for invalidation of the policy by tenant | ✓ | ✗ |
| Accidental damage by tenant | ✓ | ✗ |
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