This Summary of Cover provides key information about the Insurance cover available within Intelligent Property Solutions Landlords Insurance. This summary does not contain the full policy wording and terms and conditions of the policy. If you require a copy of the full terms and conditions please contact us with your request.

Buildings the main structure of the private dwelling, its domestic outbuildings, garages, greenhouses, terraces, patios, footpaths, drives, walls, gates, hedges and fences including landlord's fixtures and fittings therein. Rent receivable whilst the private dwelling is unfit for occupation following an Insured Event for a period not exceeding 12 months. Landlord's contents ( optional ) comprising of household goods, furnishings, window dressings, carpets, floor coverings and aerials. Landlord's legal liability covers up to £2million for any legal liability that arises from accidental bodily injury or accidental damage to property including your defence costs.

• Fire, lightning, explosion, earthquake.
• Riot, civil commotion.
• Storm or flood.
• Escape of water or oil from fixed domestic appliances.
• Impact by road or rail vehicles, aircraft or animals.
• Malicious damage, theft or attempted theft.
• Subsidence, ground heave, landslip.
• Breakage or collapse of radio or television aerials, masts or dishes.

• Standard excess - £100
• Asylum seeker occupied properties- £250.00
• Unoccupied properties - £500
• Loss of rent - 2 weeks
• Subsidence - £1,000

The period of insurance will the date from which we confirm to you that your property is insured as stated on the Confirmation of Insurance until 27th September next. Thereafter the period of insurance will be 27th September to 27th September every year.

If you wish to cancel the insurance you can do so by informing us in writing at our address shown on our contact us page, provided that you have not made a claim during the current period of insurance, we will refund the premium on a pro rata basis for the term of the insurance remaining provided the return premium is not less than £75.00 plus IPT. No refunds will be provided for premiums less than £75.00 plus IPT.

Any changes required to the Confirmation of Insurance will be charged at £25.00. Copies of the Confirmation of Cover will be charged at £25.00 each. We must have your request in writing for any changes or copies required.