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Property Owners Insurance
Whether you own a single property or manage a diverse portfolio, Property Owners Insurance helps protect your buildings, contents, and rental income against unexpected events. Designed for landlords, investors, and commercial property owners, this policy offers flexible coverage tailored to your needs.
Categories
Property Types
Land
Covers undeveloped or vacant plots, protecting against third-party liability, environmental risks, and legal claims related to ownership or public access.
Office Space
Protects commercial office buildings and contents, including fixtures, equipment, and liability—ideal for landlords leasing to businesses.
Retail
Designed for shops and storefronts, this cover includes protection for stock, contents, business interruption, and public liability in customer-facing environments.
Industrial
Provides coverage for warehouses, factories, and production facilities—protecting machinery, buildings, and liability from operational and environmental risks.
Residential Landlord
Tailored for landlords renting out homes or flats, covering buildings, contents, rent loss, liability, and emergency repairs for tenant safety.
Hospitality
Protects hotels, B&Bs, and guesthouses—covering buildings, contents, business interruption, liability, and guest-related risks like accidental or malicious damage.
Mixed-Use
Covers properties with combined residential and commercial use—such as shops with flats above—ensuring both areas are protected under one flexible policy.
Speciality
For unique or non-standard properties like heritage buildings, places of worship, or custom-built structures requiring tailored coverage and underwriting.
What’s Covered
Essential Covers
And the cherry on top...
Business Emergency
Provides rapid assistance for unexpected business disruptions like burst pipes, power failure, or security issues—minimizing downtime and helping you get back to work quickly and safely.
Landlord Home Emergency
Covers urgent repairs in rental properties—such as heating failure, plumbing issues, or electrical faults—ensuring tenants stay safe and your property remains protected and compliant.
Legal Expenses
Supports legal costs related to property disputes, evictions, or tenant disagreements—giving you access to expert advice and representation without the financial burden of unexpected legal fees.
Rent Guarantee
Protects your rental income if tenants fail to pay—ensuring consistent cash flow and covering legal costs for recovering unpaid rent or pursuing eviction proceedings.
Boiler Breakdown
Covers repair or replacement costs for broken boilers, including emergency call-outs—keeping heating and hot water running smoothly for tenants or property occupants.
Key Cover
Provides assistance and reimbursement for lost, stolen, or broken keys—including locksmith services and replacement locks to restore access and security quickly.