Latest From The Blog

23 12, 2019

Wear and Tear on Landlords Insurance


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 [...]

Wear and Tear on Landlords Insurance2020-05-12T15:43:22+00:00
18 12, 2019

Christmas Opening Times


Property Insurance Centre Christmas Opening Hours 24th December - 9am- 1pm Christmas Day - Closed Boxing Day - Closed 27th December - 9am - 1pm 28th December - Closed (Saturday) 29th December - Closed (Sunday) 30th December - 9am - 1pm 31st December - 9am - 1pm New Years Day - Closed 2nd January - 9am - 5pm PLEASE REMEMBER IF YOU INTEND TO RENEW ONLINE TO RENEW YOUR POLICIES EARLY - 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 [...]

Christmas Opening Times2020-05-12T15:51:39+00:00
17 12, 2019

Escape of Water Insurance


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 [...]

Escape of Water Insurance2020-05-12T16:00:32+00:00
9 12, 2019

The Importance of Tradesman Insurance


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: You Your Livelihood Your Income Without 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 [...]

The Importance of Tradesman Insurance2020-05-12T16:11:16+00:00
4 12, 2019

What is underinsurance?


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 are specialists [...]

What is underinsurance?2020-05-12T16:29:33+00:00
26 11, 2019

Business Insurance in Northern Ireland


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 [...]

Business Insurance in Northern Ireland2020-05-12T16:41:06+00:00
12 11, 2019

Landlord insurance brokers NI


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 [...]

Landlord insurance brokers NI2020-05-27T14:53:33+00:00
12 11, 2019

Land Insurance


Land Insurance Land insurance If you own land or have the responsibility for maintaining a piece of land, you may think that insurance is not important, but you would be wrong.  No matter whether your land is in regular use or not, you should consider taking out land insurance.  Why? What could possibly happen? You may be the most responsible Land or Property Owner in the world, but that does not mean you won't be on the wrong end of a Solicitor's letter after a member of the Public trips, falls & injures themselves on your land! What happens if a tree branch falls from your land and damages a car passing by, or worse still, injures someone. These are all scenarios that Solicitors will take on - were you negligent by not filling in potholes or not cutting back that tree?  Limits of Cover - £1 million, £2 [...]

Land Insurance2020-05-13T15:08:43+00:00
28 06, 2019

Property Insurance


Property Insurance With lots of the companies offering Property Insurance we wanted to let you know about why you should choose Property Insurance Centre for your buildings insurance needs: Independent broker with friendly, knowledgeable staff available online or by phone. Access to a wide range of insurers in the UK with the best cover and rates available. Bespoke insurance schemes & portfolio policies are available. Complete peace of mind through our tailored policies. Experts in Occupied & Unoccupied Commercial & Residential Insurance policies. Over 40 years of experience working with the best insurance underwriters in the UK. Excellent communication so that you understand what risks you are insured against. Get a Quote Insurance under one roof We are specialists in many types of insurance Everyone who owns [...]

Property Insurance2020-05-13T15:22:33+00:00
5 11, 2019

House Insurance Northern Ireland


Home Insurance NI A recent House Price Index showed the standard price of a property in Northern Ireland is £136,767 and this ranges from terrace properties at £95,202 to detached properties at £204,060.  Many buyers borrow a mortgage of between 75 and 95% of the value of the home and providers normally require the property to be insured while the mortgage remains in place.  Even if you do not have a mortgage, most people’s homes are their biggest asset so there’s a clear need to make sure all home owners make sure they get best Home Insurance NI policy with multiple layers of protection. Failing to adequately insure your home can have massive repercussions if the worst happens and you home is damaged.  But what do you actually need to insure? Get a Quote Insurance under one roof We are specialists [...]

House Insurance Northern Ireland2020-05-13T15:51:20+00:00
31 10, 2019

Black Friday Insurance


Black Friday Insurance Black Friday Insurance Deals are coming to Property Insurance Centre in 2019! We will also stretch it out for the whole week! We can cover and DISCOUNT the following classes of Business during Black Friday Week! CALL US OR FILL IN AN ONLINE FORM DURING BLACK FRIDAY WEEK FOR YOUR CLASS OF BUSINESS - AS LONG AS YOU CALL OR FORM FILL THE BLACK FRIDAY DISCOUNT WILL APPLY! The Discount is UK Wide! Our Black Friday deals will apply to your renewal next year also. We will continue to apply our discounts when the policy is due to renew, if you have taken out the policy and paid during Black Friday Week. This means your policy will not spike in price next year, due to not getting the Black Friday Insurance Discount. Get a Quote Insurance under one roof [...]

Black Friday Insurance2020-05-13T16:00:49+00:00
31 10, 2019

Block of Flats Fire Safety Guide


Block of Flats Fire Safety Guide The Property Insurance Centre Block of Flats Fire Safety Guide aims to offer you some general guidance about fire safety in blocks of flats. Of course, specific advice for each block of flats will also differ for each particular building. No building is the same. Be sure to read this guide in conjunction with the guidance in place for your own building. This is often in the form of a fire safety notice posted in the communal areas of your building. Please note: you can also download this introductory guide as a PDF or read it as a flip magazine further down on this page. Get a Quote Insurance under one roof We are specialists in many types of insurance 1. [...]

Block of Flats Fire Safety Guide2020-05-13T16:24:38+00:00
30 10, 2019

Save money on your caravan insurance


Save Money on Caravan Insurance Request A Quote: Own a touring caravan can be very liberating experience. Being able to take yourself off to anywhere at the drop off a hat appeals to many. As a result, owning and insuring your caravan has become more and more popular, but how do you know where to get the best deal, and how can you save money on your caravan insurance? After all, one of the reasons many people own a caravan, is to save money on accommodation costs by investing an initial outlay in the actual caravan! Huge annual premiums paid to insurance companies will negate those envisaged savings! Get a Quote Insurance under one roof We are specialists in many types of insurance Here are some tip [...]

Save money on your caravan insurance2020-05-13T16:54:43+00:00
29 10, 2019

Do I need Unoccupied Property Insurance?


Do I need Unoccupied Property Insurance? Who needs unoccupied property insurance and why would I need it? Do you travel for business and are away for long periods of time?  Have you a building which you haven’t managed to let and it is sitting vacant?  Has your tenant just moved out of your flat or house?  Has your relative become in need of nursing or residential care and isn’t likely to be home for some time? There are many reasons a property can become unoccupied – but if you answered ‘yes’ to any of the questions above, you need to take a look at your current insurance policy and see if you need to replace it or add unoccupied property insurance to it. What is unoccupied property insurance? Insurance companies think that occupied properties are less risky.  Someone is there most days checking that nothing bad is happening, like [...]

Do I need Unoccupied Property Insurance?2020-07-07T15:23:30+00:00
29 10, 2019

Caravan Insurance


Caravan Insurance Caravan Insurance Owning a caravan can be a very rewarding experience. It provide a weekend or summer long escape, allowing you to forget all of daily stresses you can find in your home. Or does it? The one thing you should do to keep that feeling of harmony going, is get the right caravan insurance . Without the correct cover, your picturesque setting can quickly become a money pit nightmare! What do you need to know about Caravan Insurance? Well, whether you own a touring caravan or a static caravan, there are certain risks attached of course. You need to make sure you caravan is covered for various eventualities and comply with some various important conditions of the policy. A specialist caravan insurance policy will provide cover that not is provided by a standard car insurance policy – something many caravan owner forget is that whilst you [...]

Caravan Insurance2020-05-15T08:40:36+00:00
29 10, 2019

Buy to let insurance


Buy to Let Insurance If you have already bought a property to let or you are thinking about it, make sure you take out the right buy to let insurance policy. When you are letting a property, you can’t just take out normal home insurance cover as you have additional responsibilities which you need to cover.  You are not present in your property all the time, so there are also different kinds of risk that you and your property are exposed to. So what kind of risks do you need cover for? Everyone knows there are a wide range of things that can go wrong when you own and let out a property. From mechanical breakdowns with cookers or boilers to damage caused by a fire, flood or the tenant themselves, no one can predict what may go wrong. A buy to let policy can include cover for a wide [...]

Buy to let insurance2020-05-14T15:13:18+00:00
29 10, 2019

Should I take out tenant’s liability insurance?


Should I take out tenant’s liability insurance? Have you just signed your tenancy agreement and are getting ready to move into your new property?  Maybe you have lived in a rented property for a while but you have never taken out any insurance cover?  Whether you are moving into a new flat or a house or you have been there for yours, if you haven’t already done so, you should really think about taking out tenants liability insurance.  Here’s a bit of information to help you with the decision. What is tenant’s liability insurance? When you rent a property your tenancy agreement normally comes with a list of things which are in the property such as fixtures and fittings and household items.  At the end of your tenancy agreement, and sometimes at intervals in between, your landlord or their agent will check that these things are still in the [...]

Should I take out tenant’s liability insurance?2020-05-15T08:43:35+00:00
25 10, 2019

Landlords Cover and Fire Cover


Landlords Cover Customers will often call us and ask for Fire Cover or Landlords Cover when taking out a policy. This terminology often originates from lenders and banks, who insist that where there is a mortgage in place, there is also fire cover in place. When taking out Fire Cover or Landlord Cover as it is more commonly known as. Do you know what you are actually being insured for? We let’s look at the main covers under a standard Landlord Insurance policy for a Residential Buy to Let Policy. Fire Cover Fire is self – explanatory. Normally from an electrical fault for example or from an explosion. Top Tip – check your policy covers Fire AND also does not exclude arson. Not all policies cover arson. Get a Quote Insurance under one roof We are specialists in many types of [...]

Landlords Cover and Fire Cover2020-05-14T15:34:30+00:00
24 10, 2019

Landlords Contents Insurance


Landlords Contents Insurance Landlords Contents Insurance Let’s say you are Property Investor and the immediate thought is let’s get the building covered as that is where the biggest risk is. Right? Well, not ALL of the time. Yes, or course get the building insured as a matter or priority to get immediate protection on your hard earned investment, but don’t forget about the contents which becomes even more important when the property becomes occupied by a tenant. Let’s look at why in a moment, but first, what is landlords contents insurance?Question: What is the most common Landlord Insurance Claim. Answer: Escape of water claim to landlords contents including carpets! What is landlord contents insurance? These are the contents owned by you, the landlord. Imagine you but a property to rent out and decide to get a tenant after some general sprucing up of the property. Then you get the [...]

Landlords Contents Insurance2020-05-14T15:42:00+00:00
23 10, 2019

Protect the Family with Insurance


Get the correct Cover There are loads of insurance companies out there and loads of insurance broker to choose from. Today it is easy to go online and search them out. Competing insurers will often give fantastic offers at discounted prices. The temptation, of course, is to go for the 'cheapest' one - especially when you are trying to make savings at times of relative hardship! For example, let's say you own a 4 storey Victorian Town House. You go online and fill in their online form, and there is a fantastic premium quoted. It halves your current insurer's renewal price and provides all the best cover available. BUT, there is one problem - you filled the form in incorrectly by mistake. You have confirmed there are only 3 floors at the property. You think, "No big thing, right?"  Wrong! How do you know the insurer covers properties with [...]

Protect the Family with Insurance2020-05-15T08:45:56+00:00
18 10, 2019

Landlord cover with public liability


Landlord Cover with Public Liability What is Landlord Cover? Landlord cover is insurance for landlord which includes insurance for Flood, Storm, Fire, Loss of Rent, Theft, malicious damage, accidental damage, to name a few. Most importantly it includes Landlord Liability Cover. Top tip when buying Landlords Insurance Make sure the Property Owners Liability or Landlord Liability is sufficient - Property Insurance Centre can offer policies that provider the landlord with cover up to £2,000,000, £5,000,000 or even £10,000,000 for much larger property, such as a large flats insurance. You need to assess the risk at your premises, by thinking of who visits your property and how often people visit the property - all of which increases the risk of higher landlord liability required. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

Landlord cover with public liability2020-05-14T16:14:30+00:00
24 09, 2019

Block of Flats Insurance and Best Landlord Insurance


Block of Flats Insurance Quotes How do you get the best landlord insurance if you are renting your single flat out, or if you own a block of flats freehold, and the property is occupied by leaseholders and private working tenants on a 6 months tenancy agreement. Well, there are many providers out there, but you need to know what you SHOULD be insured for. It can often be said, your tenant or occupant is the driving force behind the type of insurance and cover you need. So think carefully. Below are some examples of different combinations - be it purpose built, converted house or a mixture of tenant types, such as leasehold and private 6 months AST. Top Tip - If you own a block of flats building and rent out half with the other half owner occupied, make sure your policy covers both alternative accommodation AND Loss [...]

Block of Flats Insurance and Best Landlord Insurance2020-05-14T16:21:50+00:00
24 09, 2019

Restaurant Insurance Quotes


Restaurant Insurance Quotes If you own a restaurant you know how important it is to make sure you have the right insurance and that you take the time when your annual renewal documentation comes in to make sure that you think about whether anything has changed since your previous renewal and that you then ensure your cover continues.  If you are opening a restaurant for the first time, trust us when we say that restaurant insurance is not an area you should cut corners on.  Some people also refer to restaurant insurance coverage as business insurance for a restaurant – but the name is not as important as ensuring you get the right cover for all your restaurant insurance needs. If you are not quite sure what you actually need, it is best to take some professional advice rather than relying on a google search such as ‘business insurance for [...]

Restaurant Insurance Quotes2020-05-15T08:58:12+00:00
2 09, 2019

Block of Flats Insurance Policy


Block of Flats Insurance Policy or Freehold Policy At Property Insurance Centre we find that many people who are responsible for organising insurance for a block of flats find the application process so complicated they tend to stick with the same provider for years.  We have heard this again and again from landlords, management agents and residents associations.  This means that they often haven’t had a competitive quote in a long time and unfortunately sometimes that their cover isn’t what they need and won’t be sufficient if the worst happens and they have to make a claim.  At Property Insurance Centre we focus on making your renewal as easy as possible by taking all the details about your property, talking you through the types of cover you may need, agreeing what must be covered and what will be optional and then we do all the legwork for you.  We [...]

Block of Flats Insurance Policy2020-05-14T16:36:29+00:00
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