The Importance of Specialist Insurance for Landlords

Property and contents insurance for home owners is not usually appropriate for landlords. The experts from SAGIC explain what is needed

  • Why is it important for landlords to have specialist insurance?

Renting a property out comes with its own unique risks that you wouldn’t associate with general home insurance, it is important to make sure you have the appropriate cover in place to protect not only your property but also your liability to your tenants and the financial aspects of any rental income you receive.

  • What is covered as standard by SAGIC landlord insurance?

SAGIC’s insurance provide the same cover as you would expect for all standard landlord’s insurance, there are a number of specified insurance perils providing cover for your property from external damage including fire, flood, escape of water and subsidence cover. With all of our policies liability cover is include protecting you against claims if your tenants are injured and you are found at fault.

  • Can I get cover for alternative accommodation or loss of rent?

Our policy offers cover for alternative accommodation or loss of rent up to a maximum limit of 20% of your buildings sums insured.

  • Does contents cover include gardens?

The contents element of the policy will cover loss or damage to the contents of your property including in the garden and in garages. Storm damage caused to gates, fences or tennis courts is excluded. The maximum amount available for loss or damage to contents in the garden is £1,000.

  • Is accidental damage cover available?

Yes, this is an optional extra on all SAGIC policies which you can decide to include if required.

  • Do I pay any additional fees, for instance for credit card payment?

There are no additional fees when purchasing insurance through SAGIC. As standard, we do not charge any amendment, cancelation or credit card fees. Our Monthly Direct Debit payment option is split over 10 months with no premium finance applicable. 

  • Can Salvation Army affiliates get discounts from SAGIC?

Yes. As a member or employee of The Salvation Army, you are eligible for a 20% discount on our Landlords, Home and Contents insurance policies. 

  • What do I do if I need to make a claim?

In the event of a claim, you would contact our office on 0300 030 1865. Opening hours are 9 am – 5 pm Monday – Friday.

Outside these hours, please email You can access a 24-hour Emergency Helpline on the same number.

  • What is the story behind SAGIC?

SAGIC (The Salvation Army General Insurance Corporation Limited) is a wholly ethical insurance provider based in the UK. 

We provide competitively priced general insurance for individuals, families, businesses, and ecclesiastical buildings and organisations. From our core home insurance products to a wide range of cover for landlords, churches, businesses, single and annual trip travel, motor vehicles, storage units, mobility scooters and even carers, we provide everything you need to take care of the things that matter the most to you. 

Choose SAGIC, and you’ll never be just a number. We see our customers as people, not policy holders. Our friendly and highly supportive approach ensures it’s always a pleasure dealing with us. 

Established in 1909, we have more than a century’s experience in using our position and our profits to help the less privileged in our society. From tackling poverty and homelessness to helping children, young families and older generations engage more actively with their communities, our work supports a wide range of causes and projects that are meticulously managed by The Salvation Army. 

  • Where can I find out more about SAGIC?

Visit our website at, find us on, call 0300 030 1865 or email

You might also like

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Accept Read More

Subscribe to our weekly newsletter and get
• FREE Competitions
• FREE Digital Magazines
• HOME and FAMILY News
And much more…

You have Successfully Subscribed!