Property Owners Insurance
Property Owners Insurance is for owners of residential and commercial buildings who want to protect their investments.
Residential Property Owners Insurance covers any domestic duelling that is not the owners primary residence. These can include;
- Buy-to-let properties
- Property portfolios
- Holiday Homes
Unlike standard home insurance, these properties present different risks to insurers, predominantly because occupancy can be transient and changeable; often without an insurer knowing.
Commercial Property Owners Insurance is varied depending on the type of property and the type of business occupying it. It is possible to get commercial property owners insurance for;
- Single or multi-tenanted properties
- Modern, historic and converted buildings
- Property portfolio on one policy
Whatever type of property you need to insure, there are several factors that can influence your cover and premium. As an insurance broker, we will assess your needs, help you establish accurate sums insured and find policies to suit you.
Property Owners Insurance
Emergency Assistance
Some insurers offer a 24 hour a day, 365 days a year emergency helpline so you can get the help you and your tenants need, exactly when you need it.
Know Your Tenants
If your property is managed by a letting agent, make sure you know who is in your property. Insurers will consider the nature of your tenancy when reviewing your risk.
Optional Covers
Employers Liability, Legal Expenses and Directors & Officers Insurance could all be worthwhile; particularly if you have a management company or residents association.
Building Security
Make sure the security systems for your property are maintained regularly and changed when there is a change of tenancy.
Unoccupied Properties
Depending on the policy you need, there can be particular clauses that relate to the property being unoccupied for certain periods of time. Speak to an expert if you have questions.
Your responsibilities as a landlord
From maintaining gas appliances and wiring to fixing structural damage, make sure you have a process for monitoring and maintaining your duties as a property owner.
Why businesses choose us
Community-focused insurance
We care about protecting local businesses in our area. We understand the challenges and opportunities you face.
Get to know us
In an online world, nothing beats expert advice from a real person. You get to speak to the same people whenever you need to get in touch.
Insurance with a heart
We’re part of the Benefact Group who give all available profits to good causes.
Get In Touch
8 Orchard Court, Heron Road, Exeter, EX2 7LL
01392 426046
[email protected]
Mon– Fri, 9:00-17:00
130 Port Tennant Road, St Thomas,
Swansea, SA1 8JQ
01792 641611
[email protected]
Mon, Wed- Fri 9:00–17:00, Tue 10:00–17:00
Gotham Chambers, Hammett Square, Phoenix Lane, Tiverton, EX16 6LR
01884 256412
[email protected]
Mon– Fri, 9:00-17:00
South Devon House, Babbage Road, Totnes, TQ9 5JA
01803 864390
[email protected]
Mon– Fri, 8:00-17:30