020 8066 1616
Property & Assets

Property Owners & Landlords

Whether you own one rental property, a block of flats or a wider portfolio, we help you find suitable insurance. As brokers, we approach insurers and explain the options around your property, tenants and responsibilities.

Who it's for

Cover for people in your position

Landlords with a single house, flat or buy-to-let
Owners of HMOs and blocks of flats
Commercial and mixed-use property owners
Freeholders, property investors and managing agents
Owners with multiple properties or larger portfolios
A Georgian property with a deep teal entrance
Worth knowing

One property or many. Advice around you.

Your insurance should reflect the property you own and how it is used. We can explore standalone and portfolio options, explain the differences and help you choose suitable cover.

What's typically covered

A starting point, then tailored to you

Cover varies by insurer and by your circumstances — this is the shape of it. We'll confirm exactly what's included before anything is bound.

Buildings and landlord contents
Loss of rent and alternative accommodation
Property owners’ liability, with limits tailored to your requirements
Accidental or malicious damage options
Unoccupied properties and gaps between tenancies
Legal expenses and rent guarantee options
Terrorism cover where required
Key benefits

What you get with Clapton

Advice around your property

We discuss the building, its use and your responsibilities before approaching suitable insurers.

Clear comparisons

We explain the cover, limits, excesses and key conditions so you can make an informed choice.

Support throughout the policy

We help with changes, renewals and claims, acting as your point of contact with insurers.

Questions

Property Owners & Landlords: the questions we're asked

Yes. We arrange insurance for individual residential and commercial properties as well as blocks of flats and portfolios.

It depends on the properties and your requirements. We can consider individual policies or a portfolio policy and explain the differences in cover, conditions and administration.

We can approach insurers about the limits you need, including higher limits where available. The options depend on the property, the risk and insurers’ terms.

Tell us about any vacancy or planned works. We can explore suitable cover and explain the insurer’s requirements, including any restrictions or inspection conditions.

Buildings insurance is generally based on the cost of rebuilding rather than the sale price. We can explain the information insurers need and when a professional reinstatement valuation may be appropriate.

Related cover

You may also need

Get started

Ready to talk about property owners & landlords?

A short conversation tells us more than any form. We'll come back with cover built around your risk.