Property Owners Insurance

We offer a wide range of cover for residential property owners which protects you against fire, storms, flood, escape of water, theft, riot, vandalism, lightning and even the occasional earthquake, which are the most common incidents that give rise to claims. It also provides cover for loss of rental income in the event of a claim and cover for property owners' liability.

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We carry out a search of our panel of insurers to find you the most competitive premium available. We would also discuss the following aspects of cover with you before deciding which policy is most suitable for your needs:

 

• Do you need accidental damage cover?

• Is the building's sum insured adequate?

• Should your sum insured be increased annually in line with inflation (index linking)?

• Should 'Day one uplift' cover be included?

• Do you need contents cover?

• Should loss of rental income be included?

• Property owner's liability sum insured 

• Should you include terrorism cover?

• Does the policy cover malicious damage caused by the tenant?

• Do you need employers' liability?

 

We can assist with a range of properties, including residential, commercial and industrial, whether they are occupied or unoccupied.

 

Short-term policies can be arranged when a property is unoccupied.