Property Owners' Insurance

Protect your property portfolio with one of our specialist insurance packages.

Residential Property Owners

We have access to a wide range of packages suitable for professional lets, student lets, holiday homes and unoccupied properties.

Cover can include: Up to £4,000,000 Buildings Sum Insured Alternative Accommodation – Up to £150,000 New for Old Contents Cover Free £5,000 Contents Cover when occupied Temporary Removal of Landlord’s Contents – Up to £25,000 Free Accidental Damage Cover Free Loss of Rent (Up to 20% of the Buildings Sum Insured) Property Owners’ Liability – Up to £5,000,000 Up to 90 days Unoccupancy Period before property rated as unoccupied

More features include: Illegal Cultivation of Drugs – Up to £5,000 Trace & Access – Up to £10,000 Loss of Metered Water, Oil & Gas – Up to £5,000 Unauthorised Use of Utilities – Up to £5,000 Landscaped Gardens (Damaged by Emergency Services) – Up to £10,000 Removal of Wasps & Bees Nests – Up to £1,000 Theft of Keys – Up to £1,000 Legal expenses cover available and access to a legal protection helpline

This is just a selection of the possible covers available.  We have access to a carefully curated panel of Insurers and alternative terms may be available.

Short Term Unoccupied

 We also have a range of specialist products available to cover unoccupied residential property on a short term basis, allowing the flexibility to get the right cover when you need it, rather than paying for an annual policy.

	Cover can include: Options of Up to 3, 6 or 9 Months Cover Short-term Renewable Policies Property Owners’ Liability – Up to £2,000,000 LOI Appetite Includes Properties Undergoing Renovation Properties Up to 5 Years Unoccupied Acceptable

This is just a selection of the possible covers available.  We have access to a carefully curated panel of Insurers and alternative terms may be available.

Landlords Contents

Our Landlord's Contents packages are designed to protect landlords' belongings in residential rental properties. Whether your tenants are working professionals (including retirees), students and/or DSS non-referral, we've got you covered. Our insurance also extends to unoccupied rental properties.

Cover can include: New for Old Cover Available Loss of Rent/Alternative Accommodation – Up to 15% of the Contents Sum Insured (Included as Standard) Low £50 Excess – (£150 if Unoccupied) Accommodates Contents in Flats/Apartments or Houses Contents’ Owners’ Liability - up to £2,000,000 Loss of Metered Water – Up to £15,000 Unauthorised use of Utilities – Up to £5,000 Legal Liability Cover – Up to £2,000,000

This is just a selection of the possible covers available.  We have access to a carefully curated panel of Insurers and alternative terms may be available.

Commercial & Industrial Property Owners

Our Commercial & Industrial Property Owners’ products are suitable for commercial and/or industrial properties that are tenanted, owner-occupied or vacant.  These packages provide insurance cover for buildings, contents, loss of rent and property owners’ liability insurance. In addition, terrorism covers can be added if requested.  These packages are not suitable for residential properties.

Trades covered include: Offices Shops - including those selling alcohol and tobacco Cafés, Restaurant’s and Take-Away’s including those using deep fat fryer Bakers Guest Houses Public Houses & Wine Bars Sports Clubs Social Clubs Commercial Premises with a residential dwelling above provided both are let
	Cover can include: Up to £4,000,000 Buildings Sum Insured Employers’ Liability Cover Included Standard Alternative Accommodation – 25% of the Total Sum Insured Loss of Metered Water, Gas, Oil & Electricity cover – Up to £10,000 Replacement Locks Cover – Up to £25,000 Property Owners’ Liability – Up to £2,000,000 LOI Temporary Removal of Contents – Up to 25% Contents Sum Insured Landlord’s Contents within Common Parts
More features include: Debris Removal Cover Drain Clearance Cover – Up to £5,000 Trace & Access – Up to £250,000 Illegal Cultivation of Drugs Cover – Up to £25,000 Decontamination Cover Unauthorised Use of Utilities – Up to £25,000 Tree Removal Cover – Up to £2,500 Prevention of Access Cover – Up to £1,000,000 Unauthorised Use of Utilities – Up to £10,000

This is just a selection of the possible covers available.  We have access to a carefully curated panel of Insurers and alternative terms may be available.

Ready for a Quote?

Please give us a call on 01926 468 768 and one of our friendly, experienced collagues will be more than happy to talk through your specific requirements.  Alternatively, click on the link below and complete our quote request form and we'll call you at a time that suits you best!

Request a Quote