Property Owners Insurance
Safeguarding property owners from financial loss due to damages and legal liabilities.
What's covered
Buildings Cover
Total rebuild cost protection including demolition, debris removal, and professional fees.
Loss of Rent
Protects your rental income if the property becomes uninhabitable following an insured event.
Property Owners Liability
Covers your legal liability to the public arising from your ownership of the property.
Legal Expenses
24/7 legal helpline plus cover for court costs defending property disputes and health & safety claims.
Terrorism Cover
Property damage and non-damage business interruption protection from terrorist incidents.
Rent Guarantee
Support when tenants fail or refuse to pay rent — because your income shouldn't depend on theirs.
Property types we cover
Block of Flats
Specialist cover for freeholders and managing agents of residential blocks.
Learn moreCommercial Property
Insurance for commercial let properties — offices, retail units, warehouses and more.
Learn moreResidential Landlords
Cover for landlords with buy-to-let, HMO, and residential investment properties.
Learn moreFrequently asked questions
How much should I insure my property for?
Your Declared Value (rebuild value) should cover the total cost of rebuilding from scratch: demolition, debris removal, structural engineer and architect fees, contractor costs, and building materials. This is not the market value — it's the cost to rebuild.
What is the Average Clause?
If your property is underinsured, the insurer can reduce your claim proportionally. For example, if you insure for £1M but the rebuild cost is £1.5M, you're only covered for two-thirds of any claim. A £150,000 claim would pay out just £100,000.
How do I get an accurate rebuild valuation?
Two options: a desktop survey (using mapping tools and current rates — no property visit needed) or a site survey (a professional surveyor visits for the most accurate figures). Ask your broker for guidance.
Do I need insurance when selling a property?
Yes. Having insurance cover is often essential when selling. Lack of insurance — especially for subsidence or flood — can cause significant delays in the sale process.
Protect your property investment
Get a tailored quote from a specialist property insurance broker.