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Do I need Landlord Insurance cover?
Landlord insurance is not a legal requirement, however a normal home insurance policy will not cover you if you are renting to tenants and can refuse to pay any claims you make when the property is being lived in by tenants, leaving you exposed and at risk if anything ever goes wrong.
Landlord insurance is, however, usually a requirement if you have a mortgage on your property. Your mortgage lender may require you to have a valid landlord’s insurance policy before you let to tenants as this will protect you from the many risks that come with letting your property and give you peace of mind.