DSS Landlord Insurance
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What is DSS landlord insurance?
This insurance covers landlords letting to DSS tenants. DSS tenants pay rent using government assistance, such as Universal Credit or other housing benefits. Sometimes, these payments may be delayed or might not cover the full rent, leaving landlords at risk of lost income. Specialist landlord insurance for DSS tenants helps protect you against these unique risks.
What does landlord insurance for DSS tenants cover?
Each DSS landlord insurance policy can be customised to suit your specific needs, so coverage can vary. However, some risks commonly included in most policies include:
Property damage
Loss of rental income
Liability cover
Contents insurance
Accidental and malicious damage
Rent guarantee
Legal expenses
How much does landlord insurance for DSS tenants cost?
Landlord DSS insurance costs vary depending on several risk factors. This can include property type, claims history, number of tenants and their profiles, and your claims history. Properties in higher-risk areas tend to have higher premiums, so location is a significant factor. Things like crime rates and flood risks, repair costs in the area and council tax rises all weigh in on insurance costs.
How to get cheap DSS tenant landlord insurance
Compare multiple quotes
Although insurers consider similar risks when determining premiums, they may have different pricing models that weigh these risks differently. There may also be insurers with special offers. If you want to save money, it’s important to shop around and compare quotes.
Pay annually
Paying annually usually costs less than paying monthly. That’s because a monthly payment plan is essentially a credit agreement. For potentially cheaper insurance, opt for the annual payment instead.
Invest in security
Your risk profile goes down when you increase the security on your property, so you’ll typically be eligible for a discounted premium. You can add lights and alarms, and special locks. Check that your locks are approved by the BSI (British Standards Institution).
Increase your excess
If you can afford it, choosing a higher excess on your policy can be an effective way to lower your insurance premiums. By agreeing to pay more towards any claim, you take on a greater share of the risk, which usually results in a reduced rate from your insurer.
Insure multiple properties
Some insurers could offer discounts when you add multiple properties to one policy, even if one or more of the properties are DSS properties.
Review your policy regularly
It’s important to regularly assess your insurance policy to ensure your coverage remains adequate. Changes to property value, local risks, or even tenancy changes can leave you underinsured if your policy limits are not updated. With regular reviews, you’ll quickly find any gaps in your cover or if you’re overpaying more than you need to.
DSS landlord insurance FAQs
Is landlord insurance for DSS tenants more expensive?
Does landlord insurance cover DSS tenants?
What is rent guarantee insurance for DSS tenants?
What’s the difference between loss of rent cover and rent-guarantee insurance?
Do I need landlord insurance for DSS tenants by law?
What is not covered under DSS insurance?
What add-ons are available on DSS landlord policies?
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