What is property owners insurance?

Property owners insurance is a type of commercial insurance designed for landlords and property investors. It typically covers buildings, loss of rent, property owners liability, and legal expenses. The exact cover depends on the policy and insurer.

Do I need landlord insurance for a buy-to-let property?

Standard home insurance is generally not suitable for let properties. Most mortgage lenders require landlord buildings insurance as a condition of a buy-to-let mortgage. We recommend speaking to a broker to understand your specific requirements.

Can I insure a portfolio of properties on one policy?

Yes, property portfolio insurance allows landlords with multiple properties to cover them all under a single policy. This can simplify administration and may offer more competitive terms than insuring each property separately.

Does property owners insurance cover HMOs?

Standard landlord policies may not cover Houses in Multiple Occupation (HMOs). Specialist HMO insurance is available for licensed and unlicensed HMOs, shared houses, and bedsits. We can arrange specialist cover through our panel of insurers.

Property Owners Insurance

Specialist property owners insurance arranged by FCA-regulated brokers. We work with a panel of leading UK insurers to find suitable cover for landlords, portfolio holders, and commercial property owners.

Cover is subject to underwriting, insurer terms and acceptance