What is the definition of Wear & Tear in a Landlord Policy? Wear & Tear is often claimed for and always turned down by insurers. That’s because Wear & Tear is a maintenance issue. Maintenance is the responsibility of the Landlord and a Landlord’s Policy is not a maintenance contract. However, wear & tear is open to interpretation and we aim to shed some light on what it actually is & what influences it! If not Wear & Tear, what am I actually insured for? Well, every policy wording will have a list of ‘insured perils’. These are what you as a Landlord are insured for. Example may be Fire, Malicious Damage or Theft. Your policy wording will expressly state that wear & tear is not covered. Get a Quote Insurance under one roof We are specialists in many types of [...]

Property Insurance Centre Christmas Opening Hours '25 - '26 Christmas Staff Lunch Closure - Friday 19th December from 1.30pm (returning Monday 9am) Christmas Eve - 9am - 1.00pm Christmas Day - Closed Boxing Day - Closed 29th December - 9am - 12.30 30th December - 9am - 12.30 31st December - 9am - 12.30 New Years Day - Closed 2nd January - Normal hours... PLEASE REMEMBER IF YOU INTEND TO RENEW BY BANK TRANSFER - WE CAN ONLY PROCESS THE RENEWALS AND CONFIRM COVER WHEN WE RETURN ON THE NEXT WORKING DAY. Wishing you all a Merry Christmas and a Happy New Year! Insurance under one roof We are specialists in many types of insurance Block of Flats Unoccupied [...]

Escape of Water Insurance Escape of water is one of the most common types of claim there is on a buildings insurance policy, including Home Insurance, Block of flats Insurance and Landlords Insurance. It is therefore important that you have this cover under your current buildings policy. It can be a horrible experience & all of your floors, walls & ceilings take the brunt of it! The most common cause is burst pipes from cold weather & of course leaks from the bath or bathroom causing damage to the room below. Do not Panic! If you are reading this, hopefully you will have taken the most important step – turn the water off! If you are reading this and have no need to make a claim, why not act before disaster strikes with escape of water: CHECK where your Stopcock is CHECK the insulation of the pipes and tank [...]

The importance of Tradesman Insurance?Firstly it does not matter how experienced or good a tradesman you are, accidents happen and that is the very reason we have Public Liability Insurance as part of a Tradesman Insurance Policy.  A tradesman insurance policy will protect:YouYour LivelihoodYour IncomeWithout a proper policy in place you will lose potential contracts as many clients will require you to have PL Insurance in place before they let you carry out any work. It also lets people know you are legitimate and mean Business.  Get a Quote Insurance under one roof We are specialists in many types of insurance Why do you need Public Liability Insurance? PL as it is known is a necessity amongst tradesmen. If your business has contact with others in great numbers [...]

What is Underinsurance? Here are some important Statistics on underinsurance of commercial buildings before we explain - this is not just limited to commercial property it should be noted. Underinsurance affects all property owners, either COMMERCIAL or RESIDENTIAL! Around 90% of buildings are insured for the wrong amount 8 out of 10 buildings are insured for 60% of what they should be Underinsurance can mean you will not be paid for the full value of your claim if you are ever in the unfortunate position of having to make one! It can be costly to you & even catastrophic. The next time you review your insurance policy for your Commercial Building, please ensure you are not underinsuring. Below are some important points as well as a short video to help explain. Get a Quote Insurance under one roof We [...]

Why Business Insurance in Northern Ireland is important Every business in Northern Ireland should have the correct Business Insurance in place. There are various factors highlighting why this is so important, notwithstanding the fact that Employers Liability Insurance is a legal requirement – and this is why Business Insurance in NI is important! For the purposes of this article; let’s refer to Business Insurance in Northern Ireland as ‘Business Insurance NI’. Business Insurance NI provides a business with insurance cover for 3 important aspects – this list is nowhere near exhaustive, but are areas we have highlighted which are a major concern to business owners throughout Northern Ireland and beyond: Material Damage Business Interruption Liability Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

Landlord Insurance Brokers Northern Ireland Landlords that we have helped in Northern Ireland: As one of the leading specialist landlord insurance brokers in Northern Ireland we have access to the best rates and exclusive cover with the major insurance underwriters.  While other insurance brokers concentrate on cars and home insurance for over 40 years we have stuck with our specialism in landlord and commercial property owners insurance with clients all over NI as well as mainland UK. Landlords Cover Includes Cover whilst empty Public Liability Escape of Water Storm, Flood, Fire Malicious Damage Optional Legal Expenses Contents Cover Full Accidental Damage Cover With our headquarters based in Newtownards and an office in London we have helped thousands of landlords all over the UK get the best rates and cover and there is no situation that we have not seen before and it is this expertise that means that we [...]