Property owners insurance is often called landlord insurance, the policy protects property owners of rented residential, commercial, industrial or mixed-use properties against financial loss and usually on and All Risks basis. It covers physical damage to the building structure, legal liability if someone is injured on the property and lost rental income.
Insure to replacement/rebuild cost, not market value.
£1m–£5m typical for landlords.
covers lost rental income while property is uninhabitable after an insured event. Typically covered for 12, 24 or 36 months.
Cover for replacement contents like carpets, curtains and white goods.
Accidental damage, subsidence, malicious damage by tenants.
Request a personalised property owners quote today — we cover everything from single homes to large portfolios, including properties with prior claims or high‑risk trades / tenants.