If you’re a landlord, protecting your rental property is essential. From property damage to liability claims, having the right insurance can save you from significant financial losses. Just Landlords Insurance is a UK-based provider specializing in landlord insurance policies. But is it the right choice for you? In this blog, we’ll dive into Just Landlords Insurance reviews, its features, pros and cons, and what customers are saying.
What is Just Landlords Insurance?
Just Landlords Insurance is a specialist provider offering tailored insurance policies for landlords. Their coverage is designed to protect rental properties, whether you own a single property or a portfolio of rentals. Policies can include building insurance, contents insurance, liability coverage, and more.
Key Features of Just Landlords Insurance
Here’s what makes Just Landlords Insurance stand out:
- Comprehensive Coverage:
- Buildings insurance
- Contents insurance (for furnished rentals)
- Landlord liability insurance (up to £5 million)
- Loss of rent coverage
- Alternative accommodation coverage
- Specialist Policies:
- Coverage for unoccupied properties
- HMO (House in Multiple Occupation) insurance
- Student accommodation insurance
- Flexible Options:
- Customizable policies to suit your needs
- Optional add-ons like accidental damage and legal expenses coverage
- 24/7 Claims Support:
- Easy claims process with round-the-clock assistance.
- Competitive Pricing:
- Tailored quotes based on your specific requirements.
Pros of Just Landlords Insurance
Based on customer reviews and expert analysis, here are the advantages of choosing Just Landlords Insurance:
- Specialist Provider: Focused solely on landlord insurance, so they understand the unique needs of property owners.
- Customizable Policies: You can tailor your policy to include only the coverage you need.
- Unoccupied Property Coverage: Offers protection for properties that are vacant for extended periods.
- High Liability Coverage: Up to £5 million in landlord liability insurance, which is higher than many competitors.
- Positive Customer Service Reviews: Many customers praise their responsive and helpful support team.
Cons of Just Landlords Insurance
While there are many benefits, there are also some drawbacks to consider:
- Mixed Reviews on Claims Handling: Some customers report delays or difficulties during the claims process.
- Price Variability: Premiums can be higher compared to other providers, depending on your property type and location.
- Limited Online Tools: The website lacks some of the interactive features and instant quote tools offered by competitors.
- Not Ideal for Non-UK Landlords: Just Landlords Insurance primarily serves UK-based landlords.
What Customers Are Saying
To give you a balanced view, here’s a summary of Just Landlords Insurance reviews from real customers:
Positive Reviews:
- “Great customer service! The team was very helpful in explaining my policy options.” – Sarah T.
- “Comprehensive coverage for my HMO property at a reasonable price.” – James L.
- “Peace of mind knowing my rental property is protected, even when it’s unoccupied.” – Emma R.
Negative Reviews:
- “Claims process was slow. It took weeks to get my payout.” – Mark D.
- “Premium increased significantly at renewal without much explanation.” – Linda K.
- “Website could be more user-friendly. Had to call to get a quote.” – Tom S.
Who is Just Landlords Insurance Best For?
Just Landlords Insurance is ideal for:
- UK-based landlords with one or multiple rental properties.
- Landlords with unoccupied properties or HMOs.
- Those looking for high liability coverage.
- Landlords who prefer customizable policies tailored to their needs.
How Does Just Landlords Insurance Compare to Competitors?
Here’s a quick comparison with other popular landlord insurance providers:
| Feature | Just Landlords Insurance | Direct Line | Endsleigh |
|---|---|---|---|
| Specialist Landlord Focus | Yes | No | Yes |
| Unoccupied Property Cover | Yes | Limited | Yes |
| Liability Coverage | Up to £5 million | Up to £5M | Up to £5M |
| Online Quote Tool | No | Yes | Yes |
| Customer Service Reviews | Mostly Positive | Mixed | Positive |
How to Get a Quote from Just Landlords Insurance
- Visit Their Website: Go to Just Landlords Insurance.
- Call Their Team: Contact their customer service to discuss your needs and get a tailored quote.
- Compare Quotes: Compare their offer with other providers to ensure you’re getting the best deal.
Final Thoughts
Just Landlords Insurance is a strong contender for UK landlords seeking specialized coverage, particularly for unoccupied properties or HMOs. While it has some drawbacks, such as mixed reviews on claims handling and a lack of online tools, its customizable policies and high liability coverage make it a popular choice.
Before making a decision, consider your specific needs, compare quotes from multiple providers, and read customer reviews to ensure you’re choosing the best insurance for your rental property.
Disclaimer: This blog is for informational purposes only and does not constitute financial or insurance advice. Always read the policy terms and conditions carefully and consult with a professional if needed.