Property Owners Insurance
Whether you own a single buy-to-let, a portfolio of commercial premises or a block of flats, we arrange specialist insurance that protects your property and your income.
Property Insurance Expertise
Ellis David has deep experience in arranging insurance for property owners of all types. From individual buy-to-let landlords to managing agents responsible for large residential blocks, we understand the risks, the regulations and the insurance markets that serve this sector. Explore our specialist property insurance services below.
Our Property Insurance Services
Block of Flats Insurance
Specialist cover for freeholders, managing agents and RTM companies responsible for insuring residential blocks — including buildings, common areas, lifts and directors & officers liability.
Learn moreCommercial Let Property Insurance
Insurance for landlords of offices, retail units, warehouses and industrial premises — covering buildings, loss of rent, property owners' liability and terrorism.
Learn moreResidential Property Insurance for Landlords
Tailored cover for buy-to-let properties, HMOs and residential investment portfolios — including buildings, contents, loss of rent, rent guarantee and legal expenses.
Learn moreWhy Property Owners Choose Ellis David
Market Access
We work with specialist property insurers and underwriting agencies that understand the nuances of property ownership — from non-standard construction and listed buildings to high-value portfolios and mixed-use premises. This gives you access to cover and pricing that is simply not available through general brokers or comparison websites.
Portfolio Management
For landlords and property companies with multiple assets, we consolidate your insurance onto portfolio programmes with a single renewal date, streamlined administration and the negotiating leverage that comes from placing a larger premium. We handle additions, disposals and mid-term changes throughout the year.
Regulatory Awareness
Property legislation is constantly evolving — from EPC requirements and licensing obligations to fire safety regulations and leasehold reform. We stay current with these changes so that our insurance advice reflects your real-world obligations as a property owner.
Claims Advocacy
Property claims can be disruptive and costly. Whether it is a major escape of water, a fire, storm damage or a liability claim from a tenant, our claims team works proactively on your behalf — managing the process, challenging unfair decisions and ensuring you receive the settlement you are entitled to.
Frequently asked questions
What is property owners insurance?
Property owners insurance is a broad term for policies designed for people who own property that they do not occupy themselves — typically landlords and freeholders. It covers the building, loss of rental income, and your liability as the property owner. The exact cover depends on the type of property and how it is used.
Do I need different insurance for residential and commercial properties?
Yes. Residential let properties and commercial let properties present different risk profiles and are rated differently by insurers. If you own both types, we can often arrange a combined portfolio policy that covers all your properties efficiently under a single programme.
How do I know if my sum insured is correct?
The sum insured should reflect the full rebuilding cost of the property — not the market value or the purchase price. We recommend a professional reinstatement cost assessment carried out by a RICS-qualified surveyor, particularly for older, listed or non-standard construction properties. We can arrange this for you.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.