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2015 R K Shipman Limited. Authorised and Regulated by The Financial Conduct Authority.  Reg. No. 575483 (England & Wales)

Registered Office: Venture House, 20/20 Business Park, St Leonards Road, Allington, Maidstone, Kent, ME16 0LS

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R K Shipman Ltd, 16 Hewlett Road, Cheltenham, GL52 6AA Tel: 0844 846 8298

email: Our offices are open Monday to Friday 9am to 5.00pm


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R K Shipman is a well respected specialist home insurance broker with specialist knowledge in landlord insurance.  Our landlord insurance is designed just for landlords.  Our policies are completely transferable between different tenant types and can be changed to an unoccupied property insurance policy should your property become unoccupied for more than 60 days.

You may have insurance on your home but if you don't live there, is it the right insurance for you? Below explains the differences in policies that can be taken and the necessity in getting it right.

Let Property Insurance (more commonly known as Landlords insurance)

 Let Property insurance comes in all shapes and sizes, so it is important that you get the right cover which suits your needs.  The first thing to think of is who are you letting your property out to?  Are they 'Professional tenants' (those that are working or retired), 'Students' or 'DSS' (tenants claiming benefits).  If the latter, is the rent paid by the tenant or the council?

Then you need to think if you are leaving contents in the property?  Will it be fully furnished, part furnished, will you leave 'brown goods' (microwave, kettle, toaster etc.) or 'white goods' (fridge freezer, cooker, washing machine)?  Although, you may take a deposit from the tenant and have it written in their contract that they are made responsible for the contents, do you really want to leave your possession in their hands without any protection?

At R K Shipman we are able to offer the widest cover available from a number of difference insurers including a Defaqto 5 Star Rated policy which offers landlords maximum protection.  Key features and benefits include:

  • Full accidental damage cover to buildings and contents included as standard at no extra cost.
  • Malicious damage caused by tenants.
  • Theft or attempted theft by tenants.
  • Unauthorised alteration.
  • Unauthorised use of services.
  • Trace and access.
  • Accidental damage to fixed glass, sanitary ware and underground services.
  • Loss of rent/alternative accommodation cover up to 100% of the building sum insured.
  • £5,000,000 property owner's liability.
  • Replacement locks, landscaped gardens, fire extinguishers, emergency access, closed circuit TV, debris removal all covered.

As a broker we understand that every landlord is different, especially when it comes to the level of cover they want, which means we can adapt your policy to suit your needs, you can choose your cover options.  To ensure you have the highest level of cover you can even add Rent Guarantee Insurance which has been designed to protect landlords against rent arrears and rent default.  This isn't compulsory and it's down to you what level of cover you choose.

Choosing the correct policy is not difficult, the experts, R K Shipman, work with a variety of insurers who can make sure you are covered for the right areas.  We will discuss with you your requirements and tailor a policy to ensure that they are met, and all this at a competitive premium. From customers who just want to earn a little extra money, to customers who have portfolios of properties, R K Shipman is a name you can trust and being Trading Standards Approved you can 'Buy with Confidence' when purchasing your policy through us.

Contact R K Shipman today for your residential landlord insurance by clicking on the contact us button below or call us to speak to one of our advisers on 0844 846 8298.  You won't go through to a call-centre or a long list of options you need to select; you will be greeted by one of our friendly, experienced advisers.

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