Property Owners Insurance

Property owners come in many forms, from skyscraper commercial buildings to residential 1 bedroom flats and everything in between. Property Owners Insurance (sometimes referred to as Landlords Insurance) provides protection for yourself, your tenants and your assets. Some of the keys aspects and options of Property Owners insurance are:

  • Buildings Insurance
  • Contents
  • Liability – includes options for property, public and employers
  • Business Interruption – Rent Recovery
  • Unoccupied Property Cover

Keeping your property insured is an essential consideration for protecting your assets should an accident occur. It is not legally required however a claim can leave you exposed to large costs particularly in events such as flooding or a fire. This can have devastating effects on  your property leaving it unusable without large renovations or rebuilding. Some of the more specific areas of your Property Owners policy will cover:

  • Your rental income – if you can’t rent the property due to damage
  • Legal Costs
  • Vacancy between tenants
  • Accidental damage from tenants
  • Boiler Breakdown
  • Rent Arrears
  • Theft, fires and floods
  • The buildings structure
  • Built-in features, for example fitted kitchens and bathrooms
  • Items such as furniture, carpets and curtains (this doesn’t include your tenants’ belongings)

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