Specialist

Property Insurance Service

Get the right insurance for your property purchase

International Money Transfer

Clifton private finance

Our specialist insurance partners can advise you on the right type of cover for your property purchase at the best price

We work with a specialist insurance broker who provide:
  • Free evaluation of your property insurance requirements
  • 250+ insurers, plus access to Lloyds of London
  • A designated a point of contact
  • A service focused on quality rather than price

Use our contact form to get a no-obligation quote

What is Property Owners Insurance?

Property Owners Insurance is a type of home or building insurance for properties that aren’t occupied by you as the owner.

For example, a buy to let property, HMO, or commercial property requires property owner insurance as opposed to standard, residential home insurance.

Getting the right insurance policy for your property is important – if you have the wrong policy, you might not be covered for everything that you expect and future claims you make against your policy could be invalid. Or, you could end up paying for complicated insurance policies that cover you for things that you don’t need.

In addition, some buy to let mortgage lenders require the correct property owner insurance to be taken out for your property for them to offer you a mortgage, or offer you the best rates. Property insurance offsets the risk to your lender that you won’t be able to keep up with your mortgage repayments due to accidental property damage or lapsed rental income.

What does Property Owners Insurance Cover?

Standard, residential home insurance policies only cover the building, contents and personal possessions of your home – they don’t cover loss of rental income, legal expenses, and other claims you could expect from a property that you don’t occupy personally.

Many of our clients taking out Buy to Let mortgages choose to speak to an insurance broker at the same time in order to make sure they’re getting the right protection for their property to sit alongside their mortgage.

Do I need Property Owner's Insurance?

You don’t have to have property owner insurance to own a property that you don’t live in or get a mortgage on one.

However, some buy to let or commercial mortgage lenders prefer you to have one. They might not choose to offer you a mortgage if you don’t; or, they’ll reserve their best interest rates for customers that do.

The affordability calculations for a Buy to Let mortgage are largely based on the rental income your property is expected to generate. So, getting a loss of rent insurance policy will give your mortgage lender reassurance that you’ll keep up with your repayments even if you have unforeseen issues with your property or tenants.

Of course, you also benefit from the peace of mind that you’re covered financially for the unexpected.

How can I get the right property insurance?

Speaking to an insurance broker is the best way to make sure you’re covered for all of the essential risks with your property purchase.

You don’t want to be paying for cover you don’t need, but there also could be some must-haves for your situation that you may have overlooked.

Our partner insurance broker is connected to a wide range of specialist insurers to ensure they can provide bespoke insurance packages to our clients to meet their exact requirements. But they also don’t rule out working with more mainstream insurance providers if they can provide the right insurance policy for you at a cheaper price.

Our partner’s property insurance services include:

  • Buy to Let properties (including property portfolios)
  • AirBnBs
  • Commercial properties
  • Residential properties
  • Ex-Flooded properties
  • Ex-Underpinned properties
  • HMOs and Student Houses
  • Listed buildings and non-standard constructions
  • Overseas properties

And in addition to property insurance services, they can also provide consolidated insurance packages for the following scenarios:

Insurance for Expats

They can arrange insurance for your new overseas property or in the UK, as well as insurance on any existing rented property you own.

And if you’re moving abroad, they can source overseas health insurance policies too.

HNW Home Insurance

High Net Worth Home Insurance is a specialist form of home insurance designed for HNW individuals.

Our partner can arrange bespoke policies to cover high value homes and properties and the assets within them - ranging from classic cars to valuable artwork, jewellery and watches.

Commercial Insurance

They can also provide a range of business insurance services and insurance policies for commercial property owners, including the following industries:

  • Design & Construction
  • Manufacturing
  • Wholesale & Retail
  • Professional Services
  • Leisure & Hospitality
  • Motor Trade
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Contact Us

Property Insurance Examples

Our partner company can provide:

 Call us on 0117 959 5094 to discuss your requirements further. 

 

 

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If you have any questions about our services or want to start making things happen please contact us