Residential Property Owners


For owners of up to 20 private dwelling houses or blocks of flats which are let, with £4m total sum insured limit (including Rent and Communal Contents) for private dwellings and converted blocks of flats or total sum insured of £7,500,000 (including Rent and Communal Contents) for purpose built blocks of flats.

Key description

A core offering of cover, plus optional covers can be included in the policy to provide tailored insurance solutions.

  • £5m Public and Products Liability Limit of Indemnity as standard
  • Damage to landscaped gardens – up to £25,000 per period of insurance
  • Loss of metered utility supplies – up to £5,000 per claim
  • Trace and Access – up to £25,000
  • Alternative Accommodation expenses up to 20% of the Building Sum Insured as standard with the option to increase this to 25% or 30%
  • Option to add Legal Expenses and Employers’ Liability and Terrorism cover if required.

Alternative products

  • Property Owners – for larger property owning firms or where eligibility limits aren’t suitable
  • Commercial Property Owners – for owners of up to 20 smaller commercial properties with a total sum insured of up to £2m.

Selling points

  • Access to our Landlord website which includes useful advice on letting a property, such as your legal obligations and how to vet a potential tenant
  • Access to free legal and business guides via our business support website

For more information about Target Market statements please visitresidential property owners.


Key documents

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All current documents

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We recognise the impact a claim can have on your customer’s business. We want to get them back to normal as quickly as possible.

Claims contacts and services

New claims

Fast and simple notification of claims.

  • Notify new commercial property claims 24/7/365 - online or by freephone, fax or e-mail.
  • 24/7/365 help from emergency plumbers, glaziers and locksmiths to ensure your customers aren’t left in a vulnerable position.
  • UK-based.
  • Rapid deployment of loss adjusters.
  • Tried and tested weather response plan.

Reported claims

Claims experts:

  • Dedicated commercial property teams in Southend and liability teams in Glasgow.
  • Proactively minimise impact of a claim to your customer’s business.
  • Interim payments to keep your customers trading.
  • Online claims tracking.
  • 12 months guarantee on repairs carried out by our approved network.
  • Claims solutions for all your customers - from sole traders to large organisations.

Service channels

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