Summary of cover

Nationwide buy to let & property owners insurance is provided by Liverpool Victoria Insurance Company Limited (LV=).

Nationwide high quality buy to let & property owners insurance is designed to help you manage the complexity of owning and managing a let property. The table below offers a summary of the Nationwide buy to let & property owners insurance cover. Please refer to the policy documents for full terms and conditions.

Cover	Limit of cover	Excess
Material Damage
Glass & Sanitary ware	Glass within sum insured / Inner limit of £2,500 for Sanitary ware	Residential Properties - £100 Commercial properties - £250
Underground Services	Limited by the insured's liability	Residential Properties - £100 Commercial properties - £250
Professional Fees	Chosen by you	Residential Properties - £100 Commercial properties - £250
Landscaped Gardens	£25,000	Residential Properties - £100 Commercial properties - £250
Loss of Metered Water	£5,000	Residential Properties - £100 Commercial properties - £250
Trace and Access	£5,000 any one claim, £25,000 total cover	Residential Properties - £100 Commercial properties - £250
Theft of Keys/Lock replacement	£2,500	Residential Properties - £100 Commercial properties - £250
Unauthorised use of electricity/gas	£10,000	Residential Properties - £100 Commercial properties - £250
Clearing of Drains	£5,000	Residential Properties - £100 Commercial properties - £250
Fire extinguishment expenses	£5,000	Residential Properties - £100 Commercial properties - £250
Gardening Equipment	£1,000	Residential Properties - £100 Commercial properties - £250
Index Linking	*See note below	N/A
Day One Uplift	Chosen by you	N/A
Unoccupancy Period	45 days	N/A
Loss of Rent
Loss of Rent	Residential Properties - 20% Buildings Sum Insured / Commercial properties optional cover	Residential Properties - £100 Commercial properties - £250
Alternative Accommodation	20% Buildings Sum Insured	Residential Properties - £100 Commercial properties - £250
Denial of Access	£100,000	Residential Properties - £100 Commercial properties - £250
Managing Agents Premises	£10,000	Residential Properties - £100 Commercial properties - £250
Public Utilities	£100,000 (30 minute minimum failure)	Residential Properties - £100 Commercial properties - £250
Telecommunications failure	£100,000 (8 hour minimum failure)	Residential Properties - £100 Commercial properties - £250
Documents in Transit	£25,000	Residential Properties - £100 Commercial properties - £250
Property Owners Liability
Cross liabilities	£2,000,000	Residential Properties - £100 Commercial properties - £250
Health & Safety at Work Act defence costs	£2,000,000	Residential Properties - £100 Commercial properties - £250
Legal Expenses Sub-section A (see policy document) All other	£100,000 Any one claim / £1,000,000 in total per year	£250 Nil
24 hour Legal Helpline	N/A	N/A

* This applies at each renewal. The sums insured for buildings and landlords contents are increased in line with indices chosen by LV=.

Optional Cover	Limit of cover	Excess
Landlords contents	Chosen by you	Residential Properties - £100 Commercial properties - £250
Subsidence option	Chosen by you	£1,000
Employers Liability	£10,000,000	Nil
Terrorism	Chosen by you	Nil

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