Cover4LetProperty

Cover4LetProperty: landlord and unoccupied property insurance in the UK

Cover4LetProperty is a trading name of Alan Blunden & Company Limited, a company originally founded in 1946 as a traditional high street broker and incorporated in 2000. It operates as an independent intermediary and focuses on insurance related to letting and unoccupied property, products it sells directly to the public through its online quotation engine and a UK-based call centre.

The company states it has placed more than 50,000 policies for landlords across the UK and more than 40,000 landlord and unoccupied property insurance policies. Its team advises on cover needs, arranges cover with insurers and supports the client throughout the policy term, including adjustments and claims. The same person who handles the initial purchase often continues as the point of contact throughout the life of the insurance.

Products for landlords and property owners

The range is organised into several lines of insurance for owners of rented or vacant properties:

• Landlord insurance (buy to let): buildings and contents cover with online quotation and purchase, with access to several insurers to compare terms.
• Unoccupied property insurance: different levels of cover depending on needs, including full perils cover with subsidence.
• Commercial property insurance: flexible policies for all types of tenants and areas of the UK, with cover for shops, offices, warehouses and industrial units, among others.
• Renovation insurance / properties undergoing works: aimed at owner-occupiers and landlords, with cover for unoccupied properties undergoing redecoration, redevelopment, restoration, extension or renovation; includes short-term and long-term policies.
• UK holiday home and second home insurance: comprehensive protection with features included as standard, such as malicious damage caused by a person lawfully allowed in the home, trace and access cover, and subsidence, plus the usual discounts.
• HMO insurance: specialist cover for houses shared by three or more tenants who form more than one household and share essential facilities such as a bathroom or kitchen.
• Portfolio insurance: a specific line for owners with multiple properties.
• Landlords legal protection: a standalone policy or an add-on to a residential let property policy, to meet the costs of civil action to protect the owner's interests in a let residential property situated in England, Scotland or Wales.
• Rent guarantee insurance: compensates up to £1,500 per month for a maximum of six months if the tenant falls into arrears or absconds owing outstanding monies, or until vacant possession is obtained. Includes landlords legal protection as standard with cover up to £50,000 per incident.

Guides and resources for property owners

The website includes a section of guides aimed at landlords and property owners, including those on getting started as a landlord, unoccupied properties, tenancies, UK holiday homes, finding your next investment property, frequently asked questions, commercial property landlords, marketing properties, protecting the property, renovations, applicable legislation, the accidental landlord, landlord associations, cannabis cultivation in rented properties, maximising yield, choosing an estate agent, selling the rented property, health and safety, and HMOs. It also publishes articles on fire risks in commercial premises, managing multiple holiday homes, buying commercial property as an investment, safety regulations for landlords and UK property market news.

Structure and regulation

Alan Blunden & Company Limited is registered in England and Wales with number 3476249 and authorised and regulated by the Financial Conduct Authority under reference 309694. Its registered office is in Southend on Sea, Essex. The company has a UK-based call centre and a team of experts, with Billy Roy as Cover4LetProperty Manager and Mark Searcy as Director.

Location and contact

80 Baxter Avenue, Southend on Sea, Essex, SS2 6HZ · Telephone: 01702 606 301