5 Emerging Building Risks Every UK Property Owner Should Know About in 2026 Get a Quote Insurance under one roof We are specialists in many types of insurance Block of Flats Unoccupied Home Insurance Residential Landlord Land Liability Commercial Property Lockup Garage Restaurant Takeaway Classic Car Mixed Use Tradesmen Why choose the Property Insurance Centre [...]
Who Is Responsible for Buildings Insurance in a Block of Flats? If you own, manage, or live in a block of flats, one of the most common questions is also one of the most important: who is actually responsible for arranging the building's insurance? In most cases, the answer is the freeholder. But it is not always that simple. Get a Quote Insurance under one roof We are specialists in many types of insurance Who Is Responsible for Buildings Insurance in a Block of Flats Depends on a Variety of Factors Depending on how the building is owned and managed, the responsibility may sit with the freeholder, a residents’ management company (RMC), a Right to Manage (RTM) company, or, in some cases, another party named in the [...]
Passivhaus Insurance: What insurance does a Passivhaus need? Building or buying a Passivhaus in the UK doesn’t require exotic insurance—but it does demand smart choices and clear disclosure. From day-one site cover and JCT options on a new build or EnerPHit retrofit, through to the 10-year structural warranty at completion and a home policy that recognises “non-standard” fabric and renewables, the aim is simple: protect the works, the people, and the long-term performance you’ve invested in. This guide breaks down the essentials so you can insure a Passivhaus properly, avoid gaps, and keep premiums proportionate to the real risks. Get a Quote Insurance under one roof We are specialists in many types of insurance If you’re building (new build or EnerPHit retrofit) Site insurance / Contract Works [...]
Top Building Insurance Pitfalls Here are some common pitfalls to avoid when getting building insurance in the UK: - Underinsuring. Insure your building at the amount that it will cost to rebuild it and not at the current market value when securing block of flats insurance. This will afford you adequate insurance cover to meet all the costs of rebuilding in case of total destruction. - Not considering inflation. For your rebuild costs, you have to consider several years of inflation to ensure that you receive a sufficient amount to rebuild if the costs have gone up. Make routine changes on your cover and ensure you analyse them for maximum effectiveness. - Ignoring exclusions. See what is not covered in terms of events/damage for your policy and think about getting flood insurance or accidental damage insurance if desired. Look for terms like “acts of war” because they are typical [...]
Our Claims Partner, Aspray, Wins Loss Assessor of the Year 2024 We are delighted but not surprised to announce that our claims partner, Aspray, has won the prestigious “Loss Assessor of the Year 2024” award at the British Claims Awards. Aspray, a leading property damage claims management company, can act on your behalf when you need to make a claim. This marks the second consecutive year that Aspray has achieved this remarkable accolade, underscoring the company's exceptional service and dedication to excellence in the industry. Get a Quote Insurance under one roof We are specialists in many types of insurance The British Claims Awards, renowned for recognising excellence and innovation across the claims sector, bestowed the award upon Aspray in a ceremony that brought together industry leaders [...]
Do you need Building Insurance in the UK? Having appropriate building insurance in the UK is super important. Having a safe roof over your head provides a sense of security and comfort, especially during these uncertain times. But, do you know if the property you live in or are about to buy is properly protected? It’s important to have the right building insurance to protect your property against any damage and other risks that might arise. In the UK, building insurance is required for all landlords and homeowners so that they can protect their valuable properties. Building insurance may also provide financial protection against wider threats such as subsidence, fires, or flooding. With the right building insurance, you can be sure that your property and its contents are covered in case of any unexpected events that may cause serious damage. At the same time, it’s essential to choose the [...]
Property Insurance Centre has partnered with Concept Claims Solutions, for all Buildings related claims. This is a service we provide to all of our customers. You can now contact Concept directly, 24 hours a day, every day. Make a Claim - CALL 01772 799 794 ABOUT CONCEPT Concept is proud to offer over two decades of expertise in insurance claims management, building related repairs, home improvement and maintenance solutions. A relentless commitment to customer experience permeates every level of our organisation. We love what we do, and we show it. For total peace of mind, we only use approved contractors that are skilled and take great pride in their work. Concept is part of the Insurance Solutions Group which comprises of 7 companies and approximately 120 employees. We have teams of surveyors, builders, plasters, plumbers, electricians and highly qualified technical staff. This allows your Concept local manager to oversee the project [...]
Second Home Insurance Having a second home can be a fantastic place to spend your weekends or summer holidays. A second home is obviously different than a first home or main residence, and that is why you will require the correct Second Home Insurance policy to make sure you are covered against various risks. Property owners who have second homes can do a number of things: Rent out on a 6 month AST – Landlord Insurance Rent out for short terms period – also known as holiday letting Use it themselves as a weekend or holiday retreat – no letting If the second home is being used precisely as that – quite literally your own second home that only you will use (also known as a holiday home), there are some important things to consider. So, what are they? Well, if you are fortunate enough to own a second [...]
What is HMO Insurance? HMO insurance is normally described as a landlord's property which is shared among a number of unrelated people. HMO is an acronym which stands for House in Multiple Occupation. HMO insurance provides the correct insurance. Some HMO properties will require a license – this will normally be the case where the HMO is 3 storeys high and when there are at least 2 different & distinct households & where there are at least 5 unrelated people living there. Landlords of this type of building will require HMO Insurance - Get a Quote For HMO Insurance A license is obtained from the local authority and will be carefully inspected to ensure it meets the relevant safety standards, such as Gas Safety Smoke alarms Carbon monoxide alarms When a property is deemed to be an HMO and the very fact that licenses are sometimes required, can often [...]
Buildings Insurance Specialists in Northern Ireland Since 1976 Property Insurance Centre have provided independent insurance brokerage for a range of buildings insurance for Commercial and Residential buildings all over Northern Ireland. Our head office is based at Donaghadee Road, Newtownards, BT23 7ET and if you are looking for the best price and cover from a local insurance broker you can speak to us today on 0800 085 3761. Taking out a Building Insurance Policy will: Protect you Protect your investment Protect you from Public Liability claims Get a Quote Insurance under one roof We are specialists in many types of insurance We provide a wide range of insurance policies around NI: Block of Flats Unoccupied Commercial Unoccupied Residential Home Insurance Residential Landlord Land Liability Commercial Property Lock Up [...]
Non Standard Buildings Insurance At Property Insurance Centre we have access to most of the major underwriters and because of our excellent relationships with them are able to get bespoke quotes for non standard and high risk properties. Are you a landlord or property owner of residential property & finding it difficult to insure due to one or more factors? Property Insurance Centre are residential landlord insurance specialists & there is little we cannot insure. Whether it is a grade listed building, property with a thatched roof such as an old cottage or due to previous CCJ or bankruptcy of the owner, we are sure we can accommodate you. We have access to a wide range of markets and insuring non-standard residential properties are a specialty. We insure residential property that has been empty, undergoing extensive works such as extensions or complete renovation. Whatever the circumstance and if you struggle [...]
