Property cover for different circumstances
The right property insurance depends on who owns the property, how it is occupied, what it is used for and the value of the building and contents. We help you identify the information an insurer will need.
Residential Property
Buildings and contents insurance options for eligible owner-occupied residential properties.
Landlord Property
Insurance for eligible residential rental properties, including specialist tenancy and portfolio risks.
Commercial Property
Cover for eligible commercial buildings, premises and property-owner risks, subject to insurer criteria.
Unoccupied Property
Specialist insurance where a property is empty, with conditions that can differ substantially from standard cover.
Mixed-use Property
Where residential and commercial use are combined, we can discuss how the risk should be described to insurers.
Specialist Property
Non-standard construction, unusual occupancy or other specialist circumstances may need a more tailored approach.
Getting the sums insured right
Buildings insurance commonly relies on the cost of rebuilding rather than the market value of the property. Contents, stock, plant and other property also need realistic values. Underinsurance can affect a claim.
Where a valuation or professional assessment is appropriate, we will make clear that the figure should be provided by the client or an appropriate specialist rather than guessed.