Total Landlord Insurance

, a company authorised and regulated by the Financial Conduct Authority. HFIS Ltd. is registered in England under registration number 03252806, with its registered office located at 7th Floor Corn Exchange, 55 Mark Lane, London EC3R 7NE. The firm commenced operations as an insurance broker in 1996, initially specialising in both property and medical indemnity insurance.

These two sectors have remained central to the company's activities since its inception. With over 25 years of experience in the industry, the company has consistently aimed to uphold industry standards and provide solutions for its customers' needs. Total Landlord Insurance focuses on providing specialist property insurance and comprehensive cover tailored for landlords. The company offers two primary policies, Essential and Premier, designed to address the specific requirements of landlords insuring buy-to-let rental properties.

These policies typically combine buildings and contents insurance, alongside provisions for loss of rent and liability coverage for landlords. The Essential and Premier policies cover structural damage to buildings resulting from events such as fire, flood, and storm damage. The Premier policy extends this protection to include theft, accidental damage, or malicious damage caused by tenants and their guests, and also provides full cover between tenancies for up to 90 days. The company's objective is to offer clear and straightforward insurance options without compromising on the quality of buy-to-let cover.

The company has received recognition within the insurance sector, having been awarded Best Landlord Insurance in the Insurance Choice Awards in 2017, 2018, 2019, 2020, and 2022. M. and Mishcon de Reya 2016 Leap 100 list, which identifies fast-growing companies in the UK. The firm is recognised as one of the UK's largest independent insurance brokers.

Furthermore, the company holds ISO 27001 certification for Information Security Management and Cyber Essentials for protection against cyber threats, demonstrating a commitment to data security. It has also achieved an 'Outstanding' classification in the Investors in Customers certification and has been an Investors in People business since 2010. Total Landlord Insurance operates as a mission-driven company, guided by a set of core values that include flexibility, adaptability, honesty, transparency, curiosity, innovation, passion, leadership, respect, and integrity. The company aims to foster long-term partnerships with its customers, supporting them in protecting their investments.

Total Landlord is part of the broader HFIS group, which encompasses various services for landlords, ranging from deposit protection to legal services and redress, covering the entire landlord lifecycle. , one of the world's largest insurance broking businesses. This affiliation provides access to extensive insurance partnerships, enhanced products, risk management resources, and a global network of insurance professionals. Recognising the specific demands of the student rental market, Total Landlord Insurance provides specialised cover for properties rented to students.

The company acknowledges that while some insurers may be hesitant to cover properties with multiple tenants, the risks associated with student properties are not always greater than those of single-occupancy properties. Total Landlord Insurance offers tailored student landlord insurance, which includes cover for Houses in Multiple Occupation (HMOs) and student lets. The policies are designed to protect the building and address related risks, such as injury or loss suffered by a tenant due to a fault within the property. The firm has negotiated preferential rates for student properties, taking into account factors like shared facilities.

This specialist approach aims to provide landlords with appropriate protection for their student accommodation investments, acknowledging the unique aspects of this sector.