Cover 4 Let Property

Cover4LetProperty operates as a trading style of Alan Blunden & Company Limited, an insurance broker with a history dating back to 1946. The firm was initially established as a sole proprietorship, functioning as a traditional high street broker. In 2000, the company incorporated, and Cover4LetProperty emerged as a specialist provider for landlord insurance and unoccupied property insurance products. The company offers these products directly to the public through its online quotation engine and a UK-based call centre.

As independent intermediaries, the firm acts on behalf of its clients, advising on insurance needs, arranging suitable coverage with insurers, and assisting with ongoing policy adjustments. The company has developed expertise in landlord insurance and unoccupied property insurance, a segment of the property insurance industry in which it has specialised for over a decade. During this period, Cover4LetProperty has placed more than 50,000 policies for landlords across the United Kingdom. The firm focuses exclusively on these insurance types, indicating a dedicated approach to the needs of property owners.

Cover4LetProperty offers buildings and contents insurance to property owners, providing quotations from various leading insurers to ensure competitive options. Cover4LetProperty provides a range of insurance solutions designed for property owners. These include landlord insurance, buy-to-let insurance, and unoccupied property insurance, with options for buildings and contents cover. The firm also offers specialised policies such as commercial property owners' insurance, renovation insurance for properties undergoing works, and UK holiday home insurance.

Specific policy benefits can include loss of rent cover, alternative accommodation costs, and protection against malicious damage by tenants. Additionally, the company offers landlords legal protection insurance, which can be purchased as a standalone policy or as an add-on, and rent guarantee insurance, which includes legal protection as standard. For properties let to students, Cover4LetProperty offers specific landlord's insurance. The company acknowledges the growing demand for off-campus student accommodation and provides coverage tailored to this market.

This includes insurance for Houses of Multiple Occupation (HMOs) and properties rented to student tenants. The student landlord's insurance combines various covers to protect both the property investment and the income stream, such as loss of rent. While students may present unique referencing challenges due to a lack of regular income, the firm notes that landlords often seek guarantors. The company's offerings also address the need for landlords' contents insurance in furnished student lets, while advising that students should insure their own possessions.

The company's operations are based in Southend-on-Sea, where a team of experts is available to assist clients. Cover4LetProperty is registered in England and Wales under company registration number 3476249. Alan Blunden & Company Limited, the parent entity, is authorised and regulated by the Financial Conduct Authority (FCA) with reference number 309694. The firm is committed to treating customers fairly, regardless of whether they are commercial or residential clients.

This commitment is outlined in their 'Treating Customers Fairly Mission Statement,' which guides their practice of ensuring value and transparently disclosing all fees at the time of quotation.