Let Property Insurance

Yes. However, please note the Let Property Owner’s Legal Expenses cover and the Residential Landlord’s Emergency Solutions cover is underwritten by ARAG Legal Expenses Insurance Company.

Sums insured is the maximum that an insurance company will pay out in the event of a claim. It should reflect the total value of rebuilding or replacing items in the home and not the purchase price of your property

Yes, we use experienced companies that specialise in fire and water damage.

For emergencies you can contact Richfords on 01209 722 522 http://www.richfords.com/ who will assist you in pumping out flood waters or saving property which has suffered fire or smoke damage.

The cost of instructing the above company without prior authorisation of Cornish Mutual would be down to the Member, but where appropriate insurance cover is in place, these costs would be included in the claim settlement.

We often engage the services of independent loss adjusters to assist you in ensuring that your claim is fully and fairly settled in accordance with the insurance cover you have in place.

This depends on your policy type.

• Home insurance: may cover fences only if the main building or outbuildings are also damaged.
• Farm / Let Property: fences, gates and hedges are typically excluded. 

If you’re unsure, we’ll talk you through it.

Yes. Please note the Let Property Owner’s Legal Expenses cover is underwritten by ARAG Legal Expenses Insurance Company.

Legal expenses limits differ depending on the type of tenancy occupancy:
•    Holiday lets: up to £50,000
•    Residential lets: up to £100,000

The contents sum insured should represent the total cost of replacing all of the contents of your let property with new items.

Loss of rent is an optional extra and must be specified if required. Cover applies only if the property becomes uninhabitable due to an insured peril, such as: fire, storm and flood. Rent guarantee insurance is not something provided under this policy. 

If you employ people under a contract of service or apprenticeship it is a legal requirement for most UK businesses to have employers’ liability insurance. This extends to include casual, temporary and volunteer workers in addition to full and part-time workers.