Non-Occupant Landlord Insurance (PNO)
A rented property isn't always covered by your tenant's insurance, and never between two tenancies. Non-Occupant Landlord Insurance protects the property and your liability as owner wherever nothing else applies.
What it covers
Fire and water damage
If the loss isn't covered by the tenant's insurance, or the property is vacant, it stays protected.
Vacancy between tenants
Between two tenants, the empty property is no longer covered by anyone else: this policy takes over.
Landlord civil liability
Damage caused to a third party because of the property (falling tiles, damage to shared areas) engages your liability.
Tenant lapse or cancellation
If the tenant has no insurance or cancels theirs without telling you, the property stays covered.
What it does not cover
- Damage already present or known before the policy was taken out is not covered.
- Normal wear and tear or a lack of maintenance by the owner falls outside the cover.
- Furniture and belongings owned by the tenant are never covered by this policy.
Who is it for?
You let an unfurnished or furnished property
Whether or not the tenant is insured, the owner remains exposed to whatever their own policy doesn't cover.
You have several rental properties
Every property left vacant between leases is a point of vulnerability that needs covering individually.
You're a landlord in a co-owned building
Your liability can be engaged on shared areas as owner, independently of the building manager.
Frequently asked questions
Is it mandatory for a landlord?
Does it duplicate my tenant's insurance?
Is the property covered even if empty for months?
I do short-term/seasonal letting, does that change anything?
These coverages often go together
Your program deserves to be calibrated to your reality.
One conversation is enough to identify your gaps and offer something better.