Residential Property Insurance

As specialists in 'Landlord' insurance we work with over 25 different insurers to find you, not only the most cost effective policy, but the best insurance coverage for your property investment portfolio.

Residential Let Property Insurance

Comprehensive insurance for all types of tenanted residential property, providing accommodation for Professionals, Students, DSS through to Asylum Seeker housing.

Covering
Buildings - individual or portfolios up to £3m
Contents - some include £5 of landlords contents as standard, then add more if required.
Loss of Rent - up to 20% of Building sum as standard, more if required.
Property Owner's Liability - up to £5m
Accidental Damage - for building +/or contents

Additional cover
Legal Expenses - up to £50,000
Rent Guarantee - as per rent level
Emergency Call Out - covering main heating, utilities, locks

Contents Only

We are able to offer cover for either Landlord or Tenant.  Cover also includes Content Liability and Occupier's Liability in case of damage to the other party's person or property.

Holiday Homes & Holiday Lets

Unoccupied/occupied, managed, owner usage...a complicated situation for home insurance.  We have a number of companies with specialist packages for Holiday Homes and Lets both in the UK and abroad.

Unoccupied Property

If the property is going through Probate, a recent purchase that needs to be refurbished or converted, or simply taking a long time to find tenants, we easily find cover for Unoccupied properties.

It is normal for insurers to limit cover to "FLEA" cover (Fire, Lightening, Earthquake, Explosion & Aircraft) but we are able to offer Wider Perils and Full Perils coverage too.

Household Insurance

We can even cover the house you live in!  We work with two panels, comparing nearly 30 companies and have several more that we can approach directly if you have special requirements.
You may face particular issues such as finding cover for working from home, flood history and large claims, so we know the right insurers to cover your particular needs;  we identify these issues and find the right package to suit your building and contents needs.

Covering
Building - with or without accidental damage, available for outbuildings too;
Contents - with or without accidental damage;
Personal Possessions - items taken out of the home;
Valuables - including Mid & High Net Worth clients;
Family Legal Expenses - Up to £50,000;
Can include cover for - bicycles, computers, collections, quad bikes, musical instruments, paintings and pieces of art and much more.

 Cover for Flood ~ Subsidence ~ Landlords with History

Property in a Flood Zone?

We know it's not that easy to find flood cover if your postcode falls into a known flood risk zone, or if you have previously experienced floods at your property.
Of course we can't guarantee we can find you cover, but we know exactly where to start looking.
We have specialist insurers who actively seek "difficult to insure properties" and they are very respectable companies too, with 5-Star Defaqto Ratings.
Let us try to save you time and exasperating effort and hopefully, ultimately, find you cover.

Property with Subsidence?

It's a nightmare, once labelled - forever so.
If you have found that your property has experienced subsidence you may also find that your insurer has hiked up the premium and you may also feel like you tied you into their product forever.
Not so, it's difficult but not impossible to change insurer, and like our flood insurers, these Underwriters specialise in Subsidence and movement of buildings and therefore covering them.
If you have reports and sign off documents we would be happy to assist.

Bankruptcy & CCJ history?

No judgement, you just want to run your business too; but finding insurance with a personal history that could include Bankruptcy, Criminal Convictions and CCJs is like finding a needle in a haystack.
No promises, but we have and can find cover for both Let and Household policy holders.
Your history will be kept confidential between our representative and our underwriters.
Once set up hopefully this will be one less stress that you will have to worry about in future.

Regulated by the FCA - Reg no. 310471