What is the typical indemnity limit for property owners liability insurance UK?

Common indemnity limits for property owners liability insurance in the UK typically range from £2 million to £10 million, though higher limits may be available depending on the specific risks and property type. The appropriate limit depends on the potential severity of claims you might face.

Does property owners liability insurance cover damage to my own property?

No, property owners liability insurance is designed to cover your legal liability for injury or damage caused to *third parties* or their property. Damage to your own property (e.g., the building itself) would typically be covered by a separate buildings insurance policy.

Is property owners liability insurance the same as [landlord insurance](https://focusinsurance.co.uk/landlord-insurance)?

Property owners liability insurance is a key component *within* a comprehensive landlord insurance policy. Landlord insurance often combines various covers, such as buildings insurance, contents insurance (for items you own in the property), loss of rent, and property owners liability, into a single package.

What happens if I don't have property owners liability insurance and someone makes a claim?

If you do not have property owners liability insurance and a third party successfully makes a claim against you for injury or property damage, you would be personally responsible for all legal defence costs and any compensation awarded. This could result in significant financial loss, potentially impacting your assets.

Can I get property owners liability insurance for an empty property?

Yes, cover may be available for property owners liability insurance for an empty or vacant property, subject to underwriting criteria and terms. However, insurers may have specific terms and conditions due to the increased risks associated with unoccupied premises, such as vandalism, squatters, or undetected maintenance issues. It's important to disclose the property's vacant status to your broker.

Why is Property Owners Liability Insurance Essential for UK Landlords in 2026?

Home Property Owners Insurance Landlord Insurance HMO Insurance Block of Flats Insurance Commercial Property Insurance Shops & Trades Insurance Retail Insurance Office Insurance Fleet Insurance Van Insurance Courier Fleet Insurance Specialist Products Hospitality Insurance Charity Insurance Builders Insurance Contractors Insurance Knowledge Centre Landlord Insurance Guide Property Portfolio Insurance HMO Insurance Guide Fleet Insurance Guide Shops & Trades Insurance Guide Areas We Cover Insurance Broker London Insurance Broker Manchester Insurance Broker Birmingham Insurance Broker Leeds About Focus Insurance Contact Us Claims FAQs Contractors All Risk Insurance Guide 2026 Landlord Insurance for Student Lets Landlord vs Buildings Insurance UK Charity Insurance for Voluntary Organisations First Time Buyer Household Insurance Guide Landlord Buildings Insurance Explained Van Insurance for Small Businesses Liability Insurance Knowledge Centre