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
• 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)