Why Choose Our Residential Property Owners Policy?

 

For a full summary of cover please refer to the policy document wording provided under the Legal heading.
 

• Quotes for professional / working tenants, students, DSS, DSS referrals, housing association tenants and bedsits.
  (Properties let to local authorities maybe considered as part of a larger portfolio).
• Premiums start at only £100.00 plus IPT.
• Full Statement of Fact - no proposal form required.
• Automatic loss of rent cover at 20% of building sum insured (increasable if required).
• Automatically includes subsidence, heave and landslip (£1,000.00 excess).
• Automatic alternative accommodation at 20% of buildings sum insured.
• Automatic £5m property owners public liability cover.
• Automatically includes malicious damage & theft by the tenant up to a limit of £5,000 (cover over £5,000 available upon referal).
• We will rate match any holding insurers premium, where the risk has been established 3 years +, with good claims history.
• Flat roofing to 40% at normal terms (up to 60% upon referral)
• Accidental damage extension available on landlords contents and buildings.
• Only £100.00 standard excess. (£1,000.00 subsidence claims, £250 escape of water claims.)
• Terrorism cover available upon referral.
• Wide range of voluntary excess discounts available.
• Up to 2 claims in 5 years at normal terms (maximum any one claim £1,000.00).
• Facility available in UK mainland, Isle of Man, Channel Islands.
• The system automatically quotes for properties up to 300 years old.
• Non standard construction, considered on referral (include cob construction, clunch construction and weather boarding etc).
• Unoccupied properties considered upon referral.
• Grade 2 listed on referral.
• Properties undergoing renovation considered on referral.