LET – Landlord Insurance
Flexible cover for both standard and non-standard rental property risks
LET Landlord Insurance is designed to provide brokers with a versatile solution for placing a wide range of rental property risks, from straightforward residential lets to more complex or non-standard cases.
The scheme offers flexible underwriting across multiple tenant types, property profiles and risk characteristics, enabling brokers to place business that may fall outside traditional landlord markets.
Who the product is designed for
This product caters for a broad landlord base, including:
- Residential landlords with single or multiple properties
- Portfolio landlords
- Standalone let properties
- Risks with adverse claims history or convictions
- Properties exposed to flood or subsidence
- All tenancy agreement types and durations
- Multiple and varied tenant profiles
The flexible underwriting approach allows both clean and more complex risks to be considered on their individual merits.
What the policy covers
LET provides a comprehensive landlord insurance solution, including:
- Buildings cover with optional accidental damage
- Landlords Contents cover with optional accidental damage
- Employers Liability (€3,000,000)
- Public Liability (€3,000,000)
- Landlords Legal Expenses (included)
- Optional Rent Guarantee cover
Cover is provided for a wide range of insured perils including fire, flood, escape of water, theft, subsidence, storm damage and malicious damage, among others.
Important Documents
A proposal form used to capture key property, tenancy and risk information to support underwriting and quotation.
A high-level overview of the policy, including cover sections, limits and key features, enabling brokers to quickly assess suitability.
The full insurance contract outlining all cover sections, terms, conditions and exclusions applicable to the LET scheme.
Key features
- Flexible underwriting for both standard and non-standard risks
- All tenant types and tenancy arrangements considered
- Suitable for portfolios and single properties
- Legal expenses included as standard
- Optional rent guarantee cover
- Online quote and bind available for many risks
- Minimum buildings sum insured from €75,000 (no upper limit)
- Minimum contents sum insured from €10,000 (no upper limit)
- A Rated insurer backing (HSB facility via Plum Underwriting)
Additional cover highlights
The policy includes a wide range of extensions designed specifically for landlords, such as:
- Loss of rent and alternative accommodation (up to 25%)
- Trace and access cover
- Replacement locks and security expenses
- Theft or attempted theft by tenants
- Illegal dumping and fire brigade charges
- Cover for squatters and emergency access
- Professional fees and associated costs
These extensions are designed to support landlords in managing both property damage and income disruption risks.
Important policy conditions
As with all landlord insurance policies, certain conditions apply throughout the period of insurance.
Landlords must ensure that properties are maintained in a good state of repair, adequately secured and insured for their full reinstatement value. Changes in tenancy, occupancy, property use or material risk factors must be disclosed promptly, as these may affect terms or cover. Reasonable precautions must be taken to prevent loss or damage, including compliance with safety and legal obligations as a landlord.
Failure to comply with policy conditions or disclosure requirements may impact cover or the outcome of a claim.
Why Brokers Place Business with Dolmen
LET provides brokers with a practical and flexible solution for landlord risks that may not fit within standard markets.
Key advantages include:
- Broad underwriting appetite across varied risk types
- Ability to consider non-standard exposures
- Suitable for both single properties and portfolios
- Built-in legal expenses protection
- Efficient placement with online capability for qualifying risks
The scheme helps brokers place a wide range of landlord risks efficiently while maintaining comprehensive levels of protection.
Specialist Underwriting Support
Work with experienced underwriters who understand landlord risks and can assist with both standard placements and more complex cases.
Flexible Product Solutions
Access a range of specialist property and liability products designed to support brokers in placing both standard and non-standard risks.
Trusted Industry Experience
Benefit from strong underwriting expertise and established insurer relationships, ensuring consistency, reliability and service quality.
Affordable Home Insurance That Doesn’t Cut Corners
Choosing the cheapest policy isn’t always the best option. At Dolmen, we look beyond the premium to find you quality home insurance that actually works when you need it. Whether you’re insuring a family home, an apartment, or a property you rent out – we’re here to find the right protection for your lifestyle and budget.
We search the market, explain your options clearly, and help you save where it makes sense – all while ensuring you’re fully covered.
Why Choose Dolmen for Your Home Insurance?
- Decades of experience in the Irish insurance market
- Independent advice and access to top Irish and UK insurers
- Personalised service with real people – not just a website
- Excellent customer support throughout your policy
Specialist Home Insurance Products
Get cover for unique or hard-to-insure homes, from bespoke builds to unusual materials.
Specialist home insurance designed for houses with flat or partially flat roofs.
Protect your listed or period home with tailored cover that respects its heritage.
Comprehensive protection for landlords with one or more rental or investment properties.
Insurance for homes under renovation – stay protected while you build or restore.
Specialist insurance for historic and heritage homes, preserving Northern Ireland’s architectural charm.
Flexible, affordable cover for mobile homes and holiday lodges across Northern Ireland.
Place Smarter Faster with Dolmen
Underwriting Solutions Brokers Can Trust
To arrange cover under the LET Landlord Insurance scheme, contact the Dolmen Underwriting team or submit an enquiry via the form on this page.
Our team can assist with eligibility, underwriting guidance and placement support.