Property Insurance that protects your buildings and rental income
Owning property brings reward and responsibility. A leak, storm, accident or problem with a tenant can:
- Damage your building
- Disrupt your plans
- Cut your rental income
We help you find building insurance that fits the properties you own and how you manage them.
Who this suits
Property Owners Insurance is ideal if you own or manage:
Commercial buildings
Mixed residental and commercial use properties
Blocks of flats and property management companies
Portfolio landlords
Vacant or part-occupied properties
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If you own or manage property, this cover protects your buildings
What your policy can include
Every property and portfolio is different, so cover isn’t one-size-fits-all. We work with several insurers and help shape a policy around how you own and manage your buildings. Cover varies by insurer, we’ll confirm what applies and flag any key conditions.
Core protection
Your property owners’ policy can include:
Damage to buildings
Cover for fire, storm, flood and escape of water.
Cover for fire, storm, flood and escape of water.
Accidental damage
Accidental damage to the building. Some policies include this. Others offer it as an optional extra.
Accidental damage to the building. Some policies include this. Others offer it as an optional extra.
Loss of rent
Cover for rent you lose if tenants cannot stay after an insured event.
Cover for rent you lose if tenants cannot stay after an insured event.
Property owners’ liability
Covers claims made against you for injury or property damage arising from ownership of the insured property.
Covers claims made against you for injury or property damage arising from ownership of the insured property.
Fixtures and external items
Damage to fixtures, fittings, walls, gates and fences.
Damage to fixtures, fittings, walls, gates and fences.
Glass and signage
Cover for glass and signs at commercial properties.
Cover for glass and signs at commercial properties.
Communal areas
Cover for shared halls, stairs and other communal parts in blocks of flats.
Cover for shared halls, stairs and other communal parts in blocks of flats.
Outbuildings and stores
Garages, stores and similar buildings on the same site.
Garages, stores and similar buildings on the same site.
Optional extras
We help you decide what cover you need Options can include:
Accidental damage
Legal expenses
Engineering inspection and breakdown (for lifts, boilers and plant)
Landlord’s contents (such as carpets, blinds and appliances)
Cover for unoccupied properties, subject to insurer agreement
Alternative accommodation
Trace and access
Cover for solar panels and building-mounted technology
Managing tenants, trades and maintenance
Owning or managing property often involves repairs, contractors and changes in occupancy.
We help you understand:
- When insurers need to be told about building or refurbishment works
- How different occupancy arrangements affect cover
- What insurers consider to be unoccupied or part-occupied
- How mixed-use buildings can affect policy terms
What documents insurers may request, such as:
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Photos
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Valuations
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Tenancy agreements
How we help
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Step 1 of 4
You tell us about your property
- What you own
- How you use it
- Who occupies it
- Any special features or risks
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Step 2 of 4
We compare insurers We look for policies that match:
- Your building type
- How you let or use it
- The risks you want to protect against
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Step 3 of 4
You review your options We explain:
- The main differences between policies
- Key conditions, endorsements and excesses
- Any important requirements that apply to your cover
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Step 4 of 4
We arrange your policy Once you are happy, we:
- Set up your cover
- Handle the documents for you
We will explain the terms and exclusions clearly. We are here at renewal to review your cover. If you need to make a claim, we'll support you through the process.
Why use a broker for Property Insurance?
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We work for you, not for the insurers.
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We are local and understand island buildings and risks.
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We help with non-standard homes, commercial units and mixed-use buildings.
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We are here to help when something goes wrong.