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Property Owners Insurance
Our specialist Property Owners Insurance team can arrange a wide range of cover through our network of insurer partners suited to a variety of portfolios, from houses and flats to office and retail premises.
What Is Property Owners Insurance?
Property owners insurance can provide cover for a range of properties, including residential lets, commercial properties, and mixed portfolios. Having a policy in place can help property owners protect their investments against potential financial losses due to damage, theft and liability issues.
Types of Property Covered:
Residential Lets: This includes properties rented out to tenants, such as houses, apartments, and flats. Property owners insurance can cover damages caused by tenants, natural disasters, and other risks.
Commercial Property: This covers properties used for business purposes, such as office buildings, retail spaces, warehouses, and industrial properties. It protects against risks like fire, theft, vandalism, and liability claims.
Mixed Portfolios: This includes a combination of residential and commercial properties. Property owners insurance can provide comprehensive coverage for all types of properties within the portfolio.
Need Property Owners Insurance?
Let us arrange tailored cover for your needs.
What does Property Owners Insurance cover?
Buildings – cover against damage caused by common risks such as fire, flood, storm or escape of water.
Contents – can provide the cost to replace or repair belongings within the property if they are damaged or stolen.
Business Interruption – loss of income due to damage to property used by you at the premises.
Property Owners – damages arising from injury to the public or damage to their property.
Legal expenses – can cover the cost of legal fees incurred in disputes with tenants, neighbouring property owners, or other third parties.
As with all insurance – cover will vary depending on your requirements and policy wording.
Why use Jensten
Dedicated
A team of brokers who can advise on your property insurance needs
Trusted
We are the trusted broker to Property Professionals
Flexibility
Insurance solutions tailored to your needs
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What our clients say...
Do I Need Property Owners Liability Insurance?
A property owner is anyone who owns a property, whether it’s a single residential let, a commercial building, or a combination of both. This includes landlords, real estate investors, and business owners who own the premises from which they operate.
Why you need Property Owners Liability Insurance:
Protection against legal claims: If someone is injured on your property or their belongings are damaged, you could be held legally responsible. Property owners’ liability insurance can cover the cost of legal fees, compensation claims, and medical expenses, protecting you from potentially significant financial losses.
Peace of mind: Knowing that you are covered in case of accidents or damages can provide peace of mind, allowing you to focus on managing your property without worrying about potential liabilities.
Compliance with legal requirements: In some cases, having liability insurance may be a legal requirement, especially for commercial properties. It ensures that you are compliant with regulations and can operate your property without legal complications. However, for residential properties, Property Owners Insurance is not a legal requirement.
Property Owners Insurance with Jensten Insurance Brokers
When it comes to protecting your property portfolio, choosing the right insurance is crucial.
At Jensten Insurance Brokers, we understand the unique needs of property owners and can arrange tailored insurance solutions to protect your commercial building and assets. Whether you own a single building or manage a portfolio, our specialist property insurance team can guide you through the best options to suit your specific requirements.
Need Property Owners Insurance?
Let us arrange tailored cover for your needs.
Property Owners Insurance
Property Owners 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:
What types of property owners insurance are there?
Property owners insurance can be tailored to different types of properties and the specific needs of owners. The main types include commercial property owners insurance and residential property owners insurance.
Commercial Property Owners Insurance is for properties used for business purposes, such as office buildings, retail spaces, warehouses, and industrial properties. This type of insurance typically covers physical assets like the building itself, any equipment or inventory kept within the property, and liability issues that may arise from business operations.
Residential Property Owners Insurance, on the other hand, is intended for properties rented out to tenants, such as houses, apartments, and flats. It covers damages caused by tenants, fires, escape of water, and other risks specific to residential properties.
Is property owners insurance the same as home insurance?
No, property owners insurance is not the same as home insurance.
Home insurance is designed for owner-occupied homes and provides cover for the structure, personal belongings, and liability issues.
Property owners insurance, however, is specifically for properties that are rented out or used for business purposes, offering cover for landlords and property investors.
Is property owners insurance the same as buildings insurance?
Property owners insurance and buildings insurance are related but not identical.
Buildings insurance covers the physical structure of a property against risks like fire, flood, and structural damage. Property owners insurance includes buildings insurance but also extends to cover additional risks such as liability claims, loss of rental income, and damages caused by tenant.