Get a quote - Property Owner | Islands Insurance

1Before You Start

2Who Is the Policy For?

3The Property You Want to Insure

4Contents & Additional Cover

5Claims History & Submission

Thanks for choosing Islands Insurance! Here’s what to know before filling out this form:

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Does Your Rental Property Meet These Conditions?

Please check these before you start your quote:

About the Property
1. The building is well-maintained and in a good state of repair and is free from damage, defect, or structural problems.
2. It's built from standard materials like brick, stone, or concrete.
3. If it has a flat roof, it covers less than 25% of the whole roof area.
4. It's not suffered any previous flooding and is not in a known flood-risk area.
5. There's no history or signs of subsidence, landslip, or ground movement at this property or neighbouring ones.
About You

You (or any company director/partner):
1. Have not been convicted of a crime that is not yet spent (other than driving offences).
2. Do not have any ongoing criminal charges.
3. Have not been declared bankrupt or insolvent.
4. Have not had insurance refused, cancelled, or special terms applied.
Fire Safety and Risk

The property follows fire safety rules (e.g. Fire Safety Order 2005).
Tick this box if all these points are true*
- Yes all of this is true
- No something doesn’t apply
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The Property You Want to Insure
Postcode Lookup
Address to be insured*
Postcode*
Island*
Who is your current insurer?
What’s your current annual premium?
When should your cover start?*
If you already have insurance, choose your renewal date. Cover can’t start before today.
DD slash MM slash YYYY
About the Property
What year was the property built?*
Enter the year the property was built.
When did you (or the owner) purchase the property?*
Purchase date of the property bought
DD slash MM slash YYYY
What type of property is it?*
What are the main wall materials?*
Choose the primary construction material (e.g., brick, stone, concrete).
What are the main roof materials?*
- Asbestos
- Concrete
- Corrugated Iron
- Felt on Timber
- Fibreglass
- Glass
- Metal
- Other
- Plastic
- Slate
- Thatch - Fibre
- Thatch - Reed
- Tile
- Timber
Does the building have external cladding or external wall insulation?*
- Yes
- No
What cladding/insulation materials are used?*
List known materials (e.g., ACM, timber, brick slips, EPS, mineral wool). If unsure, ask your managing agent or surveyor.
- Aluminium Composite Material (ACM)
- Brick Cement or concrete
- Exterior Insulation Finishing System (EIFS)
- Stone
- Timber/Wood Weatherboard
- Unknown
- UPVC/Plastic Weatherboard
How many floors are concrete?*
Include all levels. For flats, answer for the whole building if known. Please enter a number greater than or equal to 1. If you have no concrete floors please put 0.
How many are timber/wood?*
Include all levels. For flats, answer for the whole building if known. Please enter a number greater than or equal to 1. If you have no wooden floors please put 0.
Is the property listed or protected?*
Some buildings are officially protected because they might be historic.
- Yes
- No
What type of listed or protected status does your property have?*

If you live in Jersey:
You can check your building’s status here.

Note: If your building is Grade 3 or higher, choose “Protected” from the list.

If you live in Guernsey:
Check if your home is listed here.

Note: If it’s listed, choose “Protected” from the list.
Fire & Electrical Safety
Is there a sprinkler system in the building?*
If partial coverage, note the areas covered (e.g., common areas only).
- Yes
- No
Areas of partial coverage*
(if required)
What type of water supply does the sprinkler use?
Has the electrical installation been professionally inspected within the last 5 years?*
- Yes
- No
Last inspection date
Provide the date of the last inspection if you have it (EICR or equivalent).
DD slash MM slash YYYY
Do you have a current electrical safety certificate?*
- Yes
- No
Property Condition & Rebuild
What’s the rebuild cost of the property?*
This is the cost to rebuild the property from scratch if destroyed (not the market value). A surveyor or your current insurer may provide this figure.
Fixtures, Fittings & Security
Do you want landlord’s fixtures and fittings cover?*
This protects built-in items like fitted kitchens, bathrooms, or flooring that belong to you, not the tenant.
- Yes
- No
Sum insured for landlord’s fixtures and fittings*
Enter the total value of these fixtures if they had to be replaced.
Any other security?
List extra protections (e.g. CCTV, guards, 24-hour security).
- 24 Hour Site Security
- Guard Dog(s)
- None
- Other Monitored CCTV
- Private CCTV
- Proposer/family members or employees residing above
- Security Patrols
- Town Centre/Local Authority CCTV"
Does the property have a flat roof?*
Say “Yes” if any part is flat. If yes, we’ll need the material and how much of the roof is flat.
- Yes
- No
Flat roof material*
- Asbestos
- Concrete
- Corrugated Iron
- Felt on Timber
- Fibreglass
- Glass
- Metal
- Other
- Plastic
- Slate
- Thatch - Fibre
- Thatch - Reed
- Tile
- Timber
Flat Roof Percentage*
Please enter a number from 0 to 100.
What type of heating is used?*
Select the primary heating source for your property. If unsure, check your energy or utility bills for more information.
- Air Source Heat Pump
- Electric Night Storage Heaters
- Electric Storage Heating
- Fixed Electric Heaters
- Fixed Gas Heaters
- Gas Fired Central Heating
- Gas Fired Central Heating - Combi Boiler
- Gas Fired Central Heating - Traditional (non-Combi) Boiler
- Gas Fired Low Pressure Hot Water
- Gas Fired Warm Air
- Ground Source Heat Pump
- Heat Exchange Unit
- None
- Oil Filled Electric Radiators
- Oil Fired Central Heating
- Oil Fired Low Pressure Hot Water
- Oil Fired Warm Air
- Open Fire - Gas
- Open Fire - Solid Fuel
- Open Hearth To Back Boiler Low Pressure Hot Water
- Portable Electric Heaters
- Portable Gas Heaters
- Solar
- Solid Fuel
- Solid Fuel Fired Low Pressure Hot Water
- Wood Burner
- Woodburners
- Other
Other heating types*
Occupants & Use
Are there any residential occupants?*
- Yes
- No
How many residential occupants?*
Are there any commercial occupants?*
- Yes
- No
What type of business is it?*

Get a quote – Property Owner

Does Your Rental Property Meet These Conditions?

Who Is the Policy For?

About You

Joint Policyholder Information

The Property You Want to Insure

About the Property

Fire & Electrical Safety

Property Condition & Rebuild

Fixtures, Fittings & Security

Occupants & Use

Contents & Additional Cover

Claims History & Submission

Description of the claim	Actions

There are no Claims.