What they say about themselves:
“Total Landlord Insurance is ideal for new and existing residential and commercial landlords. Our clients range from first time landlords looking to insure a single property to well established landlords with large portfolios.
It is through our unique understanding of the buy-to-let industry that we are able to offer not only great value insurance cover, but also valuable insight into the best ways to protect your investment.
Total Landlord Insurance has been created to meet the needs of landlords by offering you straightforward insurance policies that take the headache out of buying cover for your rental properties.
Achieve the peace of mind that our effective insurance offers and choose a specialist provider that understands the unique challenges you face as a landlord – get a quick quote from us today.
Company history and information:
Total Landlord Insurance is subsidiary of Hamilton Fraser Insurance, a specialist insurance provider that offers its services throughout the UK and abroad. Alongside landlord insurance, Hamilton Fraser offers insurance for a range of industry sectors, including home, business and travel.
Established 17 years ago, Hamilton Fraser Insurance currently employs around 120 staff out of their Hertfordshire offices. To date they have insured more than 10,000 buildings.
Total Landlord Insurance Policies:
Total Landlord Insurance offer six main policies for residential buy-to-let landlords, these are:
Landlord Essential Insurance – this is Total Landlord Insurance’s standard cover for landlords’ property and investments. The policy includes cover between tenancies for a period of up to 30 days, as well as accidental damage to items such as glass and sanitary wear. There is a standard excess of £250 which can be increased to £500 or £1,000.
Landlord Premier Insurance – the Premier policy includes all the features of the Essential buy-to-let insurance above but also covers areas such as malicious damage caused by tenants and their guests and provides up to £5,000,000 of property owners’ liability cover.
Total Landlord Emergency Cover – charged at £70 per property for 12 months, with a maximum of £1,000 per claim, this policy is designed to cover domestic emergencies. This includes boiler breakdowns, plumbing and drainage problems and lost keys.
Total Tenant Referencing – there are three levels of service available: Basic Profile, Full Profile and Company Profile. All include credit history checks, however, the Full Profile option includes more in depth background checks, for example, looking into a prospective tenant’s employment and income.
Total Rent Guarantee Insurance – this policy offers cover in the event a tenant defaults on their rental payments. It also offers to finance landlords’ legal expenses if a dispute arises with a tenant. Before buying this policy, landlords must meet certain criteria, such as having an Assured Shorthold Tenancy Agreement in place with their tenant.
Total Portfolio Insurance – this policy is for landlords with a portfolio of more than five properties. Benefits cited include a ‘dedicated portfolio handler’ and ‘specialist cover to meet your individual needs’.
Total Commercial Property Owners Insurance - Whether you have a shop, office or block of flats, Total Landlord Insurance will source a property owner’s insurance policy that gives you confidence that you are correctly covered should the worst happen, leaving you to concentrate on getting the most out of your investment.
Professional memberships and accolades:
Hamilton Fraser Insurance (HFIS) plc is authorised and regulated by the Financial Services Authority and is a member British Insurance Brokers Association (BIBA). Many members of staff are also members of the Chartered Institute of Insurance (CII),
Total Landlord Insurance is a founding member of the Landlord Syndicate. Established in 2009, the Landlord Syndicate was set up to enable landlords to share their ideas and experiences in order to provide the best possible service to UK tenants. For further information about the Landlord Syndicate visit www.landlordsyndicate.com
Total Landlord Insurance is also a recommended insurance provider for the National Landlords Association (NLA) and was a finalist in the 2010-11 and 2011-12 Landlord & Letting Awards.
Role: Chief Executive Officer at Hamilton Fraser Insurance and www.mydeposits.co.uk
Profile: Eddie has been involved in the insurance industry since 1985.
Having spent the early part of his career with Legal & General, he progressed through the ranks from trainee to underwriter then Sales Executive. Eddie set up his own brokerage, Hamilton Fraser Insurance, in 1995 and Total Landlord Insurance was launched in November 2010.
What others say about them:
“Hamilton Fraser Insurance provides cost effective and trusted service that adds real value to our insurance needs”.
Neil Thwaites & Jonathan Davies, Westfield Properties