Helping you with

Property insurance options

Property investment comes with opportunity, but also responsibility and risk. From a single buy-to-let property, a growing portfolio, commercial premises, or HMOs, having the right insurance protection in place is essential.

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Find the right cover for your property

Property Owners Insurance

Cover designed for landlords and property owners, helping protect your buildings, investment, and income.

HMO Insurance

Specialist cover for properties rented by multiple tenants who share communal facilities.

Loss of Rent Cover

Helps protect your rental income if your property becomes uninhabitable following an insured event.

Unoccupied Property

Specialist cover for residential and commercial properties that are temporarily vacant.

Properties Undergoing Works

Protection for vacant properties during refurbishment, renovation, or structural improvements.

Property Investors

Tailored insurance solutions for buy-to-let, portfolios, commercial premises, and HMOs.

Flexible protection for residential and commercial property owners

Owning property comes with ongoing responsibility and potential risks, from property damage and tenant-related issues to loss of rental income following unexpected events.
Property Owners Insurance helps protect your buildings, investment, and income with cover designed for landlords and property owners.

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What types of property can be covered?

Residential rental properties
Commercial premises
HMOs (Houses of Multiple Occupancy)
Office buildings
Retail units and shops
Warehouses and industrial properties
Blocks of flats and mixed-use properties

Cover can be adapted to suit the type and use of the property.

Commercial and Residential Property Owners Insurance FAQs

Property Owners Insurance is designed to protect landlords and property investors against risks associated with owning and managing property.

It can provide cover for residential properties, commercial buildings, mixed-use premises, and HMOs (Houses in Multiple Occupancy), depending on your requirements.

Depending on the policy, cover may include:

Buildings insurance
Loss of Rent cover
Theft, fire, and flood damage
Employer’s Liability Insurance (where applicable)

Property Owners’ Liability Insurance
Accidental damage protection
Legal expenses cover
Contents cover for communal or furnished areas

Policies can often be tailored around your individual property portfolio.

HMO Insurance is designed for properties rented by multiple tenants who are not from the same household and share communal facilities such as kitchens or bathrooms.

Because HMOs can involve higher occupancy levels and increased risks, specialist cover is often required to ensure the property and landlord are properly protected.

Loss of Rent cover helps protect your rental income if your property becomes uninhabitable or unusable following an insured event, such as fire or flood damage.

It can help cover:

Lost rental income during repairs
Alternative accommodation costs (where applicable)
Ongoing financial commitments linked to the property

This support can be essential in helping property owners maintain financial stability during unexpected disruption.

This insurance is suitable for:

Residential landlords
Commercial property owners
HMO landlords
Property investors and developers
Owners of mixed-use buildings
Owners of offices, shops, and industrial units
Landlords with single or multiple properties

Whether you own one property or a larger portfolio, tailored protection is important.

Unexpected incidents can result in significant repair costs, legal claims, and financial loss.

Protect valuable property investments
Safeguard rental income
Reduce financial disruption
Meet lender or tenancy requirements
Gain peace of mind as a landlord or investor

Property Owners’ Liability Insurance protects you if someone is injured or their property is damaged due to issues connected to your property.

This could include accidents involving tenants, visitors, or contractors at the premises.

Yes. Policies can often be designed to cover residential properties, commercial buildings, HMOs, or mixed portfolios under one flexible solution.

This makes it easier to manage protection across different property types.

Want to talk through Property Owners Insurance? Speak to a broker on 01253 692200.

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What types of property can be covered?

Policies may be available for:

Empty residential homes
Vacant flats and apartments
Unoccupied commercial properties
Shops, offices, and warehouses
Properties under renovation or refurbishment
Listed or specialist buildings
Mixed-use properties

Cover can often be tailored to suit the condition and use of the property.

Unoccupied Property and Properties Undergoing Works Insurance

Protection for vacant buildings and properties undergoing works

Unoccupied properties can face increased risks, including vandalism, theft, fire, escape of water, and structural damage. Standard property insurance may not provide adequate cover once a property becomes vacant or renovation work begins.

Unoccupied Property Insurance helps protect empty buildings and properties undergoing refurbishment, renovation, or repair works.

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Unoccupied Property Insurance FAQs

Unoccupied Property Insurance is designed to protect residential and commercial properties that are temporarily vacant.

It provides specialist cover for properties that may not meet the conditions of standard property insurance policies due to being unoccupied.

Depending on the policy, cover may include:

Buildings insurance
Theft and vandalism protection
Property Owners’ Liability Insurance
Legal expenses cover

Fire, flood, and storm damage
Escape of water cover
Accidental damage protection
Loss of Rent cover (where applicable)

Policies can often be adjusted depending on how long the property is vacant.

This type of insurance is designed for vacant properties where building works, refurbishment, renovation, or structural improvements are taking place.

Properties undergoing works can face additional risks, making specialist cover especially important.

Properties under renovation or construction may require additional protection for risks such as:

Structural alterations
Contractor activities
Building materials on-site
Increased fire or theft risks
Public liability during works

Specialist cover helps ensure the property and project remain protected throughout the works.

Yes. Policies can often be tailored for both residential and commercial properties, including buildings undergoing refurbishment or redevelopment.

Want to talk through Unoccupied Property Insurance? Speak to a broker on 01253 692200.

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Supporting Property Investors with Tailored Insurance Solutions

Property investment comes with opportunity, but also responsibility and risk. Whether managing a single buy-to-let property, a growing portfolio, commercial premises, or HMOs, having the right insurance protection in place is essential.

We work closely with property investors to provide flexible insurance solutions designed around their individual needs and long-term goals.

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Why work with a specialist broker?

Every property portfolio is different. As brokers, we take the time to understand your properties, tenants, investment structure, and future plans so we can arrange cover that works for you.

We help property investors:

Protect residential and commercial properties
Arrange cover for HMOs and mixed-use buildings
Safeguard rental income with Loss of Rent cover
Insure unoccupied properties and renovation projects
Manage risks across growing portfolios
Access flexible and competitive insurance solutions

Tailored cover for property investors

We understand that property ownership is not always straightforward. From standard rental properties to specialist or complex risks, we work with insurers who understand the property sector.

Residential and commercial property insurance
Property Owners’ Liability
Unoccupied Property Insurance
Portfolio Insurance solutions

HMO Insurance
Loss of Rent cover
Properties Undergoing Works Insurance

Speak to a broker on 01253 692200.

Get a quote

Supporting investors as portfolios grow

Practical protection for businesses, contractors, and professional services

As your investments expand, your insurance needs can become more complex. We help simplify the process by providing ongoing support and practical guidance as your portfolio develops.

Whether you are purchasing your first investment property or managing multiple locations, we aim to provide reliable protection and long-term support.

A Relationship-Driven Approach

We believe insurance should be more than just a policy document.

We work closely with property investors to build long-term relationships based on service, responsiveness, and understanding of the market.

Our goal is to help protect your investments so you can focus on growing your portfolio with confidence.

Meet the team

A Relationship-Driven Approach

We believe insurance should be more than just a policy document.

We work closely with property investors to build long-term relationships based on service, responsiveness, and understanding of the market.

Our goal is to help protect your investments so you can focus on growing your portfolio with confidence.

Meet the team