What Property Owner’s Insurance covers
A standard policy protects your buildings and contents against the major risks property owners face day to day. Cover typically extends to:
- Loss of rental income or alternative accommodation covers lost rent or the cost of alternative accommodation for tenants when an insured event, such as fire or flood, forces them to move out during repairs
- Property owners’ liability protects you if a member of the public is injured, or their property is damaged, at your premises and they hold you responsible
- Buildings and landlord’s contents cover protects against fire, flood, storm, theft and malicious damage
Cover levels depend on the type of property, how it’s occupied, and whether it’s held individually or as part of a portfolio. Speak to our insurance experts to discuss your needs.
Why Choose ABC+ for Property Owner’s Insurance
Our Property Owner’s Insurance is arranged by Nicola Smith, a CII qualified insurance broker with almost 20 years of experience in the construction and property insurance sectors, and backed by AXA Insurance.
- Cover arranged for single units through to diverse, multi-property portfolios
- Residential, commercial, unoccupied and listed property risk handled by the same broker
- Standard cover includes buildings and contents protection, property owners’ liability and loss of rental income
- Backed by AXA Insurance
Get a quote for Property Owner’s Insurance, or speak to our team about which type of cover fits your property. Call us on 0161 928 8804, message us on WhatsApp, or email abc@architectscertificate.co.uk.
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Nicola Smith
Nicola Smith is a CII qualified insurance broker specialising in the construction and property sectors with almost 20 years of experience in the Insurance Broking industry. She has built her career on a commitment to genuine, old fashioned customer service.
Nicola believes that Insurance is all about protecting what you have worked so hard to build and achieve and that taking the time to understand your business and your insurance requirements is the key to a successful working relationship.
FAQ
Property Owner’s Insurance covers landlords, developers and investors who own buildings they don’t occupy themselves. It protects the structure, and where applicable the landlord’s contents, against risks such as fire, flood, storm, theft and malicious damage, and covers your liability if someone is injured or their property is damaged at the premises.
Unoccupied properties, including second homes, holiday homes and properties between lets or awaiting sale, are covered through our Unoccupied Property Insurance.
Listed buildings and estates, including higher-value homes, are covered through our Listed Building Insurance.
Residential cover applies to tenanted homes and includes buildings and contents protection, property owners’ liability, and loss of rental income. Commercial cover applies to business tenancies and includes buildings insurance and property owners’ liability.
Yes. If an insured event such as fire or flood makes the property uninhabitable and forces tenants to move out during repairs, the policy can cover the resulting loss of rental income or the cost of alternative accommodation for tenants.
Property owners’ liability cover, included as standard, protects you if a member of the public, including a tenant or visitor, is injured or has their property damaged at your premises and holds you responsible.
Yes. Property Owner’s Insurance is structured to cover a portfolio of properties, including a mix of residential, commercial, unoccupied and listed buildings, under a single policy arranged through one broker.
