PROPERTY Insurance
Comprehensive property owners’ insurance to protect your portfolio
We understand property portfolios are inherently unique and diverse. Residential and commercial, HMOs and listed buildings. Blocks of flats and buy-to lets. Our experienced team has intrinsic market knowledge and can explain the types property insurance coverage you need to protect your properties, investments and rental income. No matter how varied your property portfolio is, all your properties can be insured under one insurance policy to help avoid, mitigate and transfer risk.
Property owners’ insurance can be confusing and overwhelming. Our trusted advisors help all property owners, from large developers and experienced property owners to new landlords with single property ownership. We’ll guide you to the right policy with efficiency and simplicity. For all things property insurance, get in touch directly to talk to one of our experienced advisors.
PROPERTY OWNERS’ INSURANCE COVER
Our property insurance team are ready to help
Below are just some of the areas our property insurance experts work in.
- Landlord insurance
- Commercial building insurance
- Listed building insurance
- Block of flats insurance
- HMOs insurance
- Multi-property landlord insurance
- Unoccupied property insurance
- Buy-to-let insurance
- Management liability
- Managing agents
- Management & trust companies
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Commercial & residential landlord insurance
Whether you have commercial or residential properties; a holiday let; or even an Airbnb, we can help you find right insurance coverage to protect you and your assets and keep rental payments flowing.
- Protection against damage caused by tenants, vandalism and criminal damage
- Recover from a serious incident such as a fire or flood. Cover the cost of repair and lost rental income
- Insurance for extensive unoccupied periods.
for property owners
Frequently Asked Questions
Got a property insurance question and looking for answers? Hopefully, we can answer them here.
If you own or manage commercial or residential properties, there’s no need to manage separate insurance policies. Property owners insurance offers comprehensive protection all your properties under one insurance policy. Not only does this mean one renewal date, but it will save time should you need to make a claim, and can save you some money too.
There are some key types of cover that all property owners should consider. These include:
- Buildings insurance for multiple properties
- Business interruption insurance – protection against loss of income following damage to your property
- Property owners’ liability insurance – covering costs and damages if your tenants or the public are injured on your property
- Unoccupied property insurance – cover for theft, malicious damage, natural disasters and more when your property is unoccupied for an extended period of time
- High risk insurance – protect your property should a terrorist incident occur
- Rent guarantee insurance – cover if your tenant is behind on their rent payments
- Legal expenses insurance – covering the costs of legal defence
- Employers’ liability insurance – designed to cover compensation claims and legal fees if an employee sues for illness or injury caused by their work.
- Management liability – defends against claims of negligence, defamation, data loss, and more.
Yes, it’s essential to have commercial building insurance for unoccupied properties. Vacant residential or commercial properties are often at a higher risk of vandalism, theft and damage.
Landlord insurance is vital to protect your buildings, loss of rent, alternative accommodation and legal liability including:
- Property Owners Liability cover
- Cover for damage to landscaped gardens
- Cover for contents in communal areas
- Removing items left by fly tipping
- Public Relations Expenses
- Subrogation Waiver (Managing Agents & Tenants)
- Failure of Utilities
- Eviction of squatters
- Illegal cultivation of drugs
- Malicious damage by tenants
- Alternative accommodation/loss of rent
- Removal of insect nests