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Take a good look at your tenancy agreement. In some cases, it may stipulate that you must provide your tenants with alternative accommodation, if your property is no longer suitable to live in. If this happens because of an insured event such as fire or flood, alternative accommodation insurance may cover the cost. With Simply Business, you can buy alternative accommodation cover as part of a single, tailored landlord insurance policy. Just tell us what you need for a quick, clear quote.Start your quote
If you’re contractually obliged to provide alternative accommodation in the event that your property becomes uninhabitable, alternative accommodation insurance will cover this cost. The property must be uninhabitable because of a specified and insured event in order for this cover to pay out.
In most cases landlords aren’t contractually obliged to provide alternative accommodation. In these circumstances, if your property becomes uninhabitable as a result of an insured event like fire or flood, loss of rent insurance will cover the income you’ve lost as a result of your tenants no longer paying rent.