Property Insurance
Whether you’re a homeowner, landlord, holiday homeowner, or have an unoccupied property, we can arrange cover a wide range a property types with property insurance.
What is Property Insurance?
Get tailored property insurance from a specialist insurance broker.
Whether you need buildings or contents insurance, liability or loss of rent cover, we compare policies from a wide range of insurers to find the right level of cover for you.
The Types of Property Insurance
What Properties Can Property Insurance Cover?
Property insurance can help with the financial implications after the event of risks like a fire, theft natural disasters, and liability claims.
Different types of properties require specialist cover to address their unique risks and challenges. Below is a breakdown of some different property insurance types:
Insurance for individuals who own residential or commercial properties.
- Can cover repair and rebuild costs due to fire, flood, storms, and vandalism.
- Liability protection if someone is injured in the property.
- Loss of rental income if the property becomes uninhabitable due to an insured event.
Non-Standard Property Insurance
This type of insurance is designed for properties that do not fit into the typical categories of residential or commercial properties. These properties may have unique features, uses, or risks that require specialist cover
- Holiday Home Insurance
- Listed Building Insurance
- Eco-Home Insurance
- High-Value Home Insurance
- Self-Build Insurance
This insurance is designed for housing associations, councils, or private landlords providing affordable housing.
- Protection for costs of property damage caused by tenants.
- Public liability cover in case of tenant injuries.
- Loss of rent cover due to property damage or eviction processes.
Thatched properties are at a higher risk of fire due to the roofing material. This insurance is specifically designed for homes with thatched roofs, offering extended cover that standard home insurance might not provide.
- Can covers fire damage, which is a major risk for thatched properties.
- Protection for high rebuilding costs due to specialist materials.
This type of insurance is essential for landlords or management companies that own and maintain apartment buildings.
- Can cover structural damage to the entire block.
- Includes communal area coverage (hallways, lifts, and shared gardens).
- Property owners’ liability insurance to cover legal costs in case of injury claims.
Designed for landlords renting out commercial properties such as office spaces, shops or warehouses.
- Loss of rent cover if the commercial tenant is unable to operate due to damage.
- Public liability insurance in case visitors or customers suffer injuries on the property.
This is designed for landlords renting out residential properties to tenants. It covers risks that standard home insurance doesn’t, such as tenant damage and legal disputes.
- Covers damage caused by tenants.
- Loss of rent cover.
- Legal expenses coverage for disputes with tenants.
Covers properties used for business operations, including offices, shops, factories, and warehouses. Unlike landlord insurance, this applies to both owner-occupied and rented commercial properties.
- Can cover building and contents, including business equipment.
- Business interruption insurance if damage disrupts operations.
- Liability protection for employees and visitors.
This insurance is designed for properties that have both residential and commercial spaces, such as a building with shops on the ground floor and a flat above.
- Covers both commercial and residential aspects under one policy.
- Loss of rental income protection for landlords.
- Liability cover for both business and residential tenants.
Properties that remain vacant for extended periods (due to renovations, sales, or other reasons) are at a higher risk of vandalism, break-ins, and weather-related damage. Standard property insurance may not cover unoccupied properties, making this policy essential.
- Cover for costs of claims arising from, fire, flood, and vandalism.
- Flexible cover options for short-term or long-term vacancies.
- Liability insurance in case someone is injured on the vacant property.
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Property Insurance
Property Insurance can be a complex area of cover, so to help you get the protection you need, here are the answers to some frequently asked questions:
The amount and type of property insurance will depending on a number of factors including but not limited to:
Rebuild Cost: Make sure your policy covers the full cost of rebuilding your property, not just its market value.
Contents cover: If you’re insuring personal belongings, calculate the total value of your possessions.
Liability: If someone gets injured on your property, liability cover can cover the costs arising from legal claims.
Loss of rent: If your property is uninhabitable due to damage, this can cover temporary housing or lost rent income.
Not always. Here’s the difference:
Building Insurance: Covers the physical structure of the property, including walls, roof, and permanent fixtures (like kitchens and bathrooms).
Property Insurance: A broader term that can include both building insurance and contents insurance (covering personal belongings inside the property).
For homeowners: It’s not a legal requirement, but if you have a mortgage, your lender will usually require building insurance.
For landlords: There’s no law requiring landlord insurance, but it’s strongly recommended.
For renters: You’re not responsible for building insurance, but it’s wise to have contents insurance to protect your belongings.
