Can LV= landlord insurance cover me?
We can't insure you if:
- you're a commercial landlord and the property is used for business purposes
- you want to insure more than 4 residential properties
- you only wish to insure landlord's contents
- you let the property for periods of less than 6 months (unless the property is in Scotland)
- you are a property developer or investor, letting or managing agent, housing or residents association
- you've made more than 2 claims relating to landlord insurance (e.g. buildings, landlord's contents or liability claims) in the last 5 years
- you've had an insurance contract cancelled or declared void due to a breach of a policy condition or misrepresentation
- you've been convicted of a criminal offence other than spent convictions or motoring offences
- you've been subject to any bankruptcy, insolvency or winding up procedures you've been the subject of a County Court Judgement or Scottish equivalent
We can't insure you if the property:
- is in Northern Ireland or outside the UK
- has previously been flooded or is currently under an Environment Agency Flood Warning
- has suffered from, or is showing any signs of, subsidence, landslip or heave
- isn't built of brick, stone or concrete and roofed with slate, tiles, metal, asphalt or concrete
- isn't in a good state of repair or is undergoing renovation, structural repairs or alteration
- is unoccupied
- is sub-let
- is used as bed & breakfast, holiday home or care & support accommodation
- made up of bed-sits (room only accommodation where the tenants share kitchen or bathroom facilities)