Property Insurance

We can specialise in all Properties Including ones let to…

  • Asylum Seekers
  • Bed and Breakfast Accommodation
  • Blocks of Flats
  • Business
  • Council
  • DSS
  • Guest Houses/Hotels
  • Housing Association
  • Letting Agent
  • Local Authority
  • Multi-Tenature
  • Owner Occupied
  • Portfolios
  • Professional/Working People
  • Retired
  • Students
  • Unoccupied

Property Insurance in Plain English

01. What is property Insurance?

Property Insurance covers specified property/properties, against events such as fire, storm, flood or theft.

02. What can be covered under property Insurance?

Standard property insurance can insure against loss or damage caused by fire, lighting, explosion, earthquake,smoke,storm,tempest or flood,escape of water,frost damage,escape of oil,theft,attempted theft or hold-up,riot,civil commotion,strikes,labour and political disturbances,damage caused by malicious persons or vandals,impact,subsidence,landslip or ground heave of the site on which the building stands,accidental damage to any cables or underground service pipes servicing the property, accidental breakage of fixed, sanitary fixtures and ceramic hobs forming part of the property.

All cover are subject to certain restrictions,exclusions and excesses

03. What is loss of rent cover?

In the event of loss or damage to the property by an insured peril rendering it uninhabitable, until repairs are completed, you policy will help to meet the loss of potential rental income, up to stated limit, indemnity period and any excess period applicable. This amount could be a percentage of the building sum insured or a figure stipulated by the landlord.

04. What is alternative accommodation?

If you home is so badly damaged that you cannot let it until repairs are done, your policy will help to meet the reasonable cost of alternative accommodation up to a stated limit.

05. What is property owners liability?

Property Owners Liability Insurance protects you against any amount you are legally liable to pay as compensation for accidental bodily injury to a person or loss of or damage to a property, plus your defence costs and expenses arising as owner of property.

09. Do I need £1 Million cover for Property Owners Liability?

There are generally 3 levels of cover – £1/£2 or £5 Million. Unless specifically requested, normally liability cover would provide cover for up to £1 Million as standard.

10. What benefits do I have if I become an accredited Landlord? What is Landlord Accreditation?

The London Landlord Accreditation Scheme (LLAS) provides you with the necessary skills to run a successful business, Irrespective of whether you are new to the business or are already running a successful portfolio, to be accredited under the LLAS will assist your business and give you access to many useful services. Once you follow a programme/seminar set up by LLAS, you would be provided with an Accreditation certificate. This proves that you are an accredited landlord. There are many benefits from becoming an accredited landlord – this varies from having improved and up-to-date knowledge of the key issues of property management and landlord-tenant legislation. Full details can be found on:

http://www.londonlandlords.org.uk/…tation/about

Useful Links for Property Insurance:

Check Flood Area
Building Sum Insured Calculator

In order for us to obtain our best quotation and cover for you, as well as correct information please call us Freephone: 0800 1313345

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