Every property is different, so, as a property owner, you have unique requirements, so finding the right insurance policy is crucial. Whether you own just one property or several commercial or residential properties, our property owner’s insurance offers the flexible and comprehensive coverage you need. In this article, we discuss why homeowner’s insurance is essential and what it typically includes.

Why is Property owners' insurance essential?

Every property and business has specific risks and requirements. Property owners’ insurance can be tailored to meet your unique needs, providing comprehensive protection for your particular situation.

We offer a wide range of protection, from building insurance to contents insurance to loss of rent and liability insurance. Property owners’ insurance covers various aspects, ensuring that all potential risks are mitigated.

Having property owners’ insurance in place offers financial security for unexpected events, such as property damage, theft, or liability claims. Having the right insurance in place ensures you’re not left to cover these costs alone.

Key coverages for Property owners' insurance

Buildings and contents: This covers the physical structure of your property as well as its contents. It protects against risks like fire, flood, theft, and accidental damage, ensuring your property and possessions are safeguarded.

Fixtures and fittings: This covers permanent fixtures and fittings within your property, such as built-in furniture, kitchen units, and bathroom fixtures. It ensures that these essential elements are protected against damage or loss.

Loss of rent cover: If your property becomes uninhabitable due to damage, this coverage compensates for lost rental income. It ensures you maintain financial stability even when your property cannot be let out.

Property owners’ liability: This protects you against legal claims made by third parties for injuries or damage that occur on your property. For example, if a tenant or visitor is injured due to a fault in the property, liability insurance covers the legal and compensation costs.

Specialised insurance for property managers and landlords

We also offer insurance solutions specifically designed for property managers and landlords, covering both commercial and residential properties. Whether you manage a single property or multiple units, our tailored policies provide the protection you need.

Commercial property insurance

This is ideal for property managers and landlords who oversee commercial properties such as shops, offices, hotels, restaurants, and bars. This coverage ensures that your commercial investments are protected against various risks.

Residential property insurance

This insurance is designed for landlords with residential properties. It covers risks associated with rental properties, ensuring both the property and rental income are protected.

Multiple Property Coverage

If you manage or own multiple properties, our insurance can cover all your