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Landlords Insurance

Mosaic Mortgages are able to offer a comprehensive range of products from across the market.

We are able to provide cover for all types of tenants from working professionals to DSS or students. Many policies have exclusions on certain types of tenants so don’t leave yourself unable to claim by not taking the right policy for your needs.

Our most competitive policies include the following:

  • Full replacement value of buildings & associate outbuildings / garages
  • All risks cover including subsidence subject to certain exclusions
  • Automatic reinstatement of sum insured following loss
  • Cover for damage to drains cables & underground pipes
  • Cover for tracing & making good leaking underground pipes, drains & cables
  • Accidental glass breakage for fixed glass and sanitary ware
  • Up to 30% of Buildings sum insured for loss of rent or alternative accommodation expenses as a result of damage covered by the policy
  • Replacement of locks following theft
  • Loss of metered water as a result of bursting or leaking pipes
  • Optional contents cover
  • Standard £20,000 cover for replacement value of contents of communal parts
  • £5m public liability for property owners
  • £5m employers liability in the event of terrorism & £10m under all other risks
  • Specified legal expenses
  • Minimum excess on buildings is £100, £1000 for subsidence
  • Minimum excess on contents is £50
  • Minimum excess on public liability is £250
  • Unoccupied cover of up to 45 days between tenants however we can provide specific policies for this if likely to be unoccupied for a longer period
  • UK based claims line
  • We can offer significant discounts for multi-property proposals and recommend contacting us so that we can arrange a bespoke quotation for your needs