Property Owners

Safeguard Your Premises with Tailored Insurance for Property Owners/Landlord

Overview

Property Owners have a requirement to sufficiently insure the buildings they own and let / rent out, and a legal obligation to maintain safe premises for their tenants and mitigate any potential risks to visitors and the public near their property. There are also additional potential risks to consider. Property Owners Insurance or sometimes referred to as Landlord Insurance, can provide essential coverage to help mitigate these risks. As a landlord or owner of a buy-to-let property, it is crucial to ensure you have sufficient protection against possible claims and compensation risks.

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How We Can Help

If you own any type of property, whether it be an office block, industrial units, block of flats, or a collection of houses or single residential let property, the knowledgeable team at Brown & Brown can help to provide you with specialist assistance in securing sufficient insurance coverage and protection for your buildings.

We understand that the cover you choose will depend on your circumstances, and our team at Brown & Brown will take the time to understand these needs and ensure that the cover provided meets your specific requirements. If you have any questions or want to explore your options, please contact the team.

What is Typically Covered?

  • Buildings Insurance – Buildings Insurance compensates for the expenses of reconstructing or repairing structures following damage caused by perils such as fire, theft, flood, for example.
  • Loss of Rent Cover – When you lease a property, there is a chance you may lose your rental earnings if your tenant must move out due to an incident covered by insurance.
  • Public Liability Cover – This coverage is designed to shield property owners from expenses associated with injuries or damage suffered by the public while on your premises.
  • Employers Liability – This is to cover you for your Legal Liability if you have people working for you e.g. Gardeners or Property Maintenance.
  • Other Additional Covers – There are other additional covers available that we can discuss with you depending on your individual circumstances.

What is Not Typically Covered?

  • Wear and tear
  • Flaking paint, rust and other age-related issues
  • Theft not involving a break in