Property Owner Insurance

We cover all types of properties including residential homes, flats, commercial buildings, mixed-use properties, vacant properties, and properties under renovation or development.

You can choose buildings only, contents only, or combined buildings and contents coverage. Combined policies are often more cost-effective and provide comprehensive protection under one policy.

Our policies include alternative accommodation coverage, paying for temporary housing costs while your property is being repaired following an insured event.

Yes, our policies include comprehensive weather damage coverage including flood, storm, wind damage, and escape of water, subject to policy terms and conditions.

High-value items like jewelry, art, and collectibles can be covered with appropriate valuations and may require separate specification or additional coverage limits.

Yes, property owner liability insurance protects against claims from visitors, neighbors, or third parties who may be injured or suffer property damage due to your property.

Our policies include 24/7 emergency helpline, emergency repairs coordination, plumbing and heating emergencies, security services, and emergency accommodation arrangement.

Vacant properties require specialized coverage due to increased risks. We provide vacant property insurance with appropriate terms for unoccupied buildings and security requirements.

Subsidence and ground movement are covered under our buildings insurance, including investigation costs, repairs, and alternative accommodation during remedial work.

Yes, we can provide coverage for multiple properties under portfolio policies or separate individual policies, depending on your preferences and property types.

We typically need property details, rebuild costs, contents value, security measures, previous claims history, and specific coverage requirements for accurate quotation.

Standard exclusions include wear and tear, gradual deterioration, deliberate damage, and pre-existing conditions. Full exclusions are detailed in policy documentation provided during quotation.

Home-based business activities may require additional business insurance coverage beyond standard property owner insurance. We can arrange combined residential and business protection.

Outbuildings like garages, sheds, and workshops can be covered under buildings insurance with appropriate coverage limits and security requirements specified in the policy.

Contact us immediately on 0330 127 2333. We provide rapid claims processing with property specialists who understand the urgency of property damage and restoration requirements.

Rental properties require specialized landlord insurance rather than standard property owner insurance. We can arrange appropriate buy-to-let or rental property coverage.

Properties under renovation may require specialized coverage or policy endorsements. We can arrange appropriate protection during building work and renovation periods.

Yes, we provide coverage for leasehold properties including contents, improvements, and liability coverage appropriate to leasehold ownership responsibilities.

We offer flexible payment terms including annual, quarterly, or monthly payment options to help manage insurance costs for property owners.

Property owner insurance costs typically range from £150-£400 annually for standard residential properties, £400-£1,200 for larger homes, and £1,200-£5,000+ for commercial properties. Costs depend on property value, location, security measures, and coverage levels required.

While property insurance isn't legally mandatory for outright owners, mortgage lenders require buildings insurance as a loan condition. Leasehold properties may have insurance requirements in the lease agreement, and commercial properties often need public liability insurance.

Buildings insurance covers the structure, fixtures, and fittings of your property including walls, roof, floors, and built-in items. Contents insurance covers moveable items like furniture, electronics, clothing, and personal belongings within the property.

Yes, even without a mortgage, property owner insurance protects your valuable asset against fire, flood, theft, and liability claims. It's essential financial protection for your property investment and personal belongings.

For owner-occupied residential properties, insurance premiums are not tax deductible. However, for rental properties or commercial properties used for business, insurance premiums are typically tax-deductible business expenses.

Property owner liability insurance covers claims from visitors injured on your property, damage to neighboring properties, and public liability incidents. This includes legal defense costs and compensation payments for third-party claims.

Yes, buy-to-let properties require specialized landlord insurance rather than standard property owner insurance. Landlord insurance includes rental income protection, tenant damage coverage, and enhanced liability protection.

Commercial property owners need buildings insurance, contents insurance, business interruption coverage, public liability insurance, and potentially employers liability insurance if staff work on the premises.

Yes, vacant property insurance is available for unoccupied buildings. These policies have enhanced security requirements and may exclude certain risks due to the increased vulnerability of empty properties.

Buildings and contents insurance typically cover flood damage from burst pipes, storms, and natural flooding. However, properties in high-risk flood areas may require specialized flood insurance or have higher premiums.

Yes, properties under renovation need specialized coverage as standard policies may exclude building work risks. Renovation insurance covers the existing structure, materials, and liability during construction work.

Flat owners typically need contents insurance and may need buildings insurance for their specific unit. The building's structure is usually covered by the freeholder's insurance, but leaseholders should verify coverage details.

Yes, subsidence and ground movement are typically covered under buildings insurance. This includes investigation costs, underpinning work, repairs, and alternative accommodation during remedial work.

Contents insurance covers theft of personal belongings, while buildings insurance covers damage to the structure from break-ins. Both policies typically require adequate security measures like locks and alarms.

Yes, buildings insurance typically covers damage from falling trees, but may exclude damage from trees you knew were dangerous. Liability insurance covers damage your trees cause to neighboring properties.

Home-based businesses typically need additional business insurance beyond standard property owner insurance. This includes professional indemnity, business equipment, and enhanced public liability coverage.

Yes, solar panels can be covered under buildings insurance as they're typically considered part of the structure. You may need to inform your insurer and adjust coverage limits for the additional value.

Legal expenses insurance covers property disputes including boundary disputes, planning permission issues, contract disputes, and neighbor disputes. This includes legal representation and court costs.

If you use property management services, ensure your insurance covers their activities or that they have appropriate professional indemnity insurance. Some policies may exclude damage caused by managing agents.

Short-term letting requires specialized insurance as standard property owner insurance typically excludes commercial letting activities. You need short-term let insurance with appropriate liability and contents coverage.

Yes, accidental damage coverage can be added to contents and buildings insurance. This covers unintentional damage like spilling wine on carpets or accidentally breaking fixtures and fittings.

Emergency repair coverage is typically included in buildings insurance for urgent repairs following insured damage. This includes emergency call-out services, temporary repairs, and property securing services.

Gardens, patios, and outdoor structures like sheds and greenhouses can be covered under buildings and contents insurance. This includes damage from weather, theft of garden equipment, and liability for garden-related injuries.

Swimming pools require enhanced liability insurance due to increased injury risks. Buildings insurance should cover the pool structure, while contents insurance covers pool equipment and accessories.

Yes, properties in high-crime areas can be insured but may require enhanced security measures like alarms, CCTV, and security lighting. Premiums may be higher due to increased theft and vandalism risks.

Buildings and contents insurance typically cover water damage from burst pipes, leaking appliances, and storm damage. Gradual leaks and maintenance issues are usually excluded from standard policies.

Listed buildings require specialized insurance due to higher rebuild costs using traditional materials and methods. Standard policies may not provide adequate coverage for heritage property restoration requirements.

We provide claims advocacy support and can arrange independent loss adjusters or legal representation. Our policies may include legal expenses coverage for insurance disputes, helping challenge declined claims through proper appeals processes.