DSS Landlord Insurance

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Why Compare Cheap DSS Landlord Insurance Quotes With SimplyQuote

Landlords need to ensure they have the right insurance for their properties if they want to be protected from high financial costs.

But, finding the right DSS landlord insurance policy can be tough, especially if you’re busy vetting tenants and juggling several rental properties.

With SimplyQuote, you can quickly and easily receive quotes from several of the UK’s top insurance providers, helping you compare quotes and find the best policy for your DSS tenants landlord insurance.


What Do You Need To Get A Quote?

Why Do You Need DSS Landlord Insurance ?

What Does DSS Landlord Insurance Cover?

When deciding whether to buy a DSS insurance policy, you should ask yourself what type of cover is important to you. Insuring tenants with housing benefits is a great way to protect yourself, but it doesn’t cover everything.

Choosing the right policy can help you protect your property, and avoid unnecessary expenses. The following is usually covered by a DSS landlord insurance policy.

Buildings insurance

Damage to a property can be extremely expensive, especially if it is detrimental to your property’s structure and permanent fixtures. Thankfully, decent DSS landlord insurance will cover your building from accidental and malicious damage that may be caused by tenants.

Rent guarantee insurance

An important part of any DSS landlord insurance policy is rent protection. If your housing benefit tenants can’t afford this month’s rent payment due to financial reasons, then rent guarantee insurance can cover you for up to 6 months of missing rent payments.

Legal expenses

If you find yourself needing to pay for legal protection due to issues relating to your insured property, then your DSS landlord insurance cover will cover any costs. This covers both defence and pursuit legal cases.

Alternative accommodation

A great addition to any landlord insurance, not just those that cover housing benefit tenants, is alternative accommodation insurance. In case of an extreme accident or when immediate repairs are required, alternative accommodation insurance will cover any costs incurred by temporarily rehousing your tenants.

Accidental damage

Accidental damage insurance will protect you in case of an accident on your property that leads to damage. It covers any non-malicious events such as plant pots falling or bookcases collapsing.

Contents insurance

If you include furniture in your tenancy agreement, then contents insurance is incredibly important. Included by almost all insurance providers, content insurance will help cover costs from damage to furnishings such as sofas and chairs.

Liability insurance

Liability insurance will protect you in the event that a member of the public or your DSS tenant is injured on your property. This will cover financial costs related to any third-party claims and can protect you from extremely high expenses.

What’s not covered?

  • Wear and tear: Gradual deterioration of furnishings due to everyday use won’t be covered.
  • Tenant’s belongings: The tenant will have to take out their own contents cover.
  • Business activity: If your DSS tenant runs a business from the residential property, it won’t be covered.
  • Vacancy: DSS tenants cover will be void if the property is vacant for 2 months or longer.

Which Add-Ons Are Available For DSS Landlord Insurance?

How Much Does DSS Landlord Insurance Cost?

How Can You Get Cheap Landlord Insurance Rates?

How To Compare DSS Landlord Insurance Quotes With SimplyQuote?

Comparing DSS landlord insurance quotes with SimplyQuote couldn’t be easier:

  1. Fill in the short form: Give us info on your property and tenants.
  2. Choose extra add-ons: Decide your level of cover.
  3. Compare insurance quotes: Find a quote best suited to your needs.
  4. Save today: Get a great insurance deal.
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Frequently Asked Questions

What is DSS landlord insurance?

In simple terms, DSS landlord insurance policies offer protection for property damage when renting your property to housing benefit tenants. Most landlord insurance will protect your assets from damage caused by tenants, essentially ensuring you don’t need to pay a fortune repairing your property.

DSS, or Department of Social Security tenants, are tenants that claim housing benefits.

If any of your tenants do receive benefits payments, or you are planning on renting to housing benefit claimants, then you will want to invest in DSS insurance.

Who can claim a housing benefit?

Housing benefit is an excellent way for people who usually can’t afford to pay rent to find themselves a place to live. There is a range of factors that come into play when it comes down to whether or not someone is eligible for housing benefit:

  • If you have reached the state pension age
  • If you’re in supported, sheltered or in temporary housing

You can find out more about housing benefits on the GOV website, but most DSS tenants will fall within one of the two categories above. Housing benefit claimants will require a specialist insurance policy, but this will rarely cost more than your typical housing insurance.

Is landlord insurance for DSS tenants expensive?

This depends entirely on the quote you can find. There are a range of different policies available each with a unique cost. However, you will usually have to pay slightly more if you are purchasing DSS landlord insurance.

The price will rarely be a lot higher, but it will tend to be slightly more expensive than renting to full-time professionals.

What’s the difference between regular landlord insurance and DSS cover?

The only difference between regular landlord insurance and DSS cover is that a DSS insurance policy will cover DSS tenants. Most regular landlord insurance policies will not offer coverage for DSS tenants.

If you plan to rent to housing benefits claimants, then make sure your chosen insurance policy will offer full protection.

Where can I get cheap landlord insurance?

The best way to find affordable insurance for DSS tenants is to compare quotes until you find one that suits your budget. By filling out the compare form found on our site we can quickly find a cheap landlord policy that works for you.

With over 29 reliable insurers available, and including buy-to-let insurance and DSS insurance, you will quickly find the policy that suits your renting needs!

How can I compare the best landlord insurance policies?

If you want to compare a range of policies that are available today, then you have come to the right place. SimplyQuote offers a handy comparison tool you can use to find landlord insurance for DSS tenants with minimal fuss.

By comparing the best DSS insurance policies out there, you can quickly cover any properties you rent to housing benefit tenants. This will give you the peace of mind that you deserve.