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Landlord Insurance

Discover the information that you need as a landlord before you make your decision about landlord insurance.

29 10, 2019

Do I need Unoccupied Property Insurance?

By |2023-09-04T08:30:09+00:00October 29th, 2019|insurance, Landlord Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on 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 [...]

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29 10, 2019

Buy to let insurance

By |2022-05-10T14:36:25+00:00October 29th, 2019|Home Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on 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 [...]

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29 10, 2019

Should I take out tenant’s liability insurance?

By |2022-05-10T14:39:15+00:00October 29th, 2019|Home Insurance, insurance, Landlord Insurance, Tenant Liability Insurance, Uncategorized|Comments Off on 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 [...]

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25 10, 2019

Landlords Cover and Fire Cover

By |2022-05-10T14:41:05+00:00October 25th, 2019|Home Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on 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 [...]

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24 10, 2019

Landlords Contents Insurance

By |2022-05-10T14:42:52+00:00October 24th, 2019|Buy to Let Insurance, Home Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on 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 [...]

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23 10, 2019

Protect the Family with Insurance

By |2022-05-10T14:44:32+00:00October 23rd, 2019|Home Insurance, insurance, Landlord Content Insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on 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 [...]

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18 10, 2019

Landlord cover with public liability

By |2022-05-10T14:45:55+00:00October 18th, 2019|Commercial Property Insurance, Home Insurance, insurance, Landlord Content Insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on 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 [...]

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24 09, 2019

Block of Flats Insurance and Best Landlord Insurance

By |2022-05-10T14:51:32+00:00September 24th, 2019|Block Of Flats Insurance, insurance, Landlord Insurance, Uncategorized|Comments Off on 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 [...]

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29 06, 2019

Commercial Insurance NI

By |2022-05-16T08:29:43+00:00June 29th, 2019|Commercial Property Insurance, insurance, Landlord Insurance, Shop Insurance, Uncategorized|Comments Off on Commercial Insurance NI

Commercial Insurance NI Commercial Insurance Northern Ireland Whether you have a small family owned business, rent lots of properties across Northern Ireland or run a global multi-national organisation you need commercial insurance that suits your needs and your organisation.  Our team of specialist brokers at Property Insurance Centre in Northern Ireland are dedicated to finding you the right insurance for your needs at the best premium. We specialise in Commercial Insurance Northern Ireland. Some examples of some local business types we support: Ice Cream Shop Insurance Public House Insurance Financial Advisers Office Insurance Locksmith Insurance Restaurant Insurance including Takeaways Get a Quote Insurance under one roof We are specialists in many types of insurance Why Choose us for your Insurance NI? We are a locally based company in [...]

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29 06, 2019

Residential Landlords Insurance

By |2022-05-16T08:41:54+00:00June 29th, 2019|Buy to Let Insurance, Home Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on Residential Landlords Insurance

Residential Landlords Insurance All landlords know that they have responsibility for insuring their building and anything they own within the building. Tenants should have contents insurance for their own possessions which are in the building – but they are not responsible for insuring the building itself. While these roles are clear to many people, there is often confusion about what insurance cover residential landlords need. Here is a quick guide to the policies which are provided by Property Insurance Centre who are experts in Residential Landlords Insurance based in London and Northern Ireland. What is covered with our landlord insurance? As a basic residential landlord’s insurance must cover any potential damage to the building itself such as a flood (depending on the location and flood history of the area) or a fire. This is similar to normal household insurance but a normal household insurance policy would be invalid if [...]

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29 06, 2019

Landlord insurance in Northern Ireland

By |2022-05-16T08:53:03+00:00June 29th, 2019|insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on Landlord insurance in Northern Ireland

Landlord insurance in Northern Ireland Are you already a landlord with one or multiple properties or are you thinking about becoming a landlord? If your answer is yes, now is the time to understand why you must ensure you have the right insurance. The condition of the property market in Northern Ireland is perfect for landlords. Many people can’t afford to buy their own home so renting is a good option which also leaves them without the responsibility of looking after the premise they are living in. Many businesses can’t afford to purchase buildings or if they are opening for the first time they aren’t ready to commit to property. The rental market is perfect for both commercial and residential landlords, with plenty of availability in Belfast and across Northern Ireland. But in terms of insurance that means a lot of responsibility sits with landlords. This is why landlord [...]

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29 06, 2019

What Types of Property Insurance Are Available?

By |2022-05-16T09:03:26+00:00June 29th, 2019|Commercial Property Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on What Types of Property Insurance Are Available?

What Types of Property Insurance Are Available? Although property insurance in the UK is not mandatory, it is a requirement of interested parties such as banks or anyone who lends you money secured on your property.  Also, if you rent out your commercial or residential property your tenant will assume that you have adequate insurance cover in place for the buildings. There are lots of different types of property insurance available, everything from common home insurance policies to bespoke portfolio packages for landlords with a variety of commercial buildings. Get a Quote Insurance under one roof We are specialists in many types of insurance At Property Insurance Centre we specialise in commercial insurance policies but do cater for home insurance policies through our offices in Northern Ireland [...]

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29 06, 2019

Why Is Commercial Insurance Important?

By |2022-05-16T08:59:47+00:00June 29th, 2019|Commercial Property Insurance, insurance, Landlord Insurance, Uncategorized|Comments Off on Why Is Commercial Insurance Important?

Why Is Commercial Insurance Important? Your commercial property you own is one of the most expensive assets in your life. There it is extremely important you make sure you have adequate insurance cover in place to protect you against unforeseen incidents such as fire, subsidence, floods, etc. The team at Property Insurance Centre have extensive knowledge of different types of insurance available and can therefore guide you on the all the different types of cover. It is important to insure your property for the correct rebuild. Appointing a building surveyor to survey your property will ascertain a figure to which you should insure your property for. You do not want to underinsure your property as this will cause a lot of issue if a claim occurs. Why not give us a call on 0800 085 3761 to see how we can help you insure your property. Get a Quote [...]

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29 06, 2019

Property Owners Liability Cover

By |2022-05-31T10:56:01+00:00June 29th, 2019|Home Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on Property Owners Liability Cover

Property Owners Liability Cover What does Property Owners Liability cover? It allows you to meet any costs or compensation payments that might need to be paid out after being sued by a member of the public following an injury.  It is specific liability insurance for property owners such as landlords. Who Does Property Owners Liability cover? It covers any property owners as you have a legal responsibility to ensure your property is well maintained and does not present unnecessary risks of injury or damage to tenants, visitors or members of the public outside the building.  It is for landlords and property owners. Where do I get Property Owners Liability cover? As one of the few specialist Commercial & Landlord insurance brokers in the UK we are able to offer excellent rates on our Property Owners Liability cover.  If you would like a quote or immediate cover call us today [...]

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29 06, 2019

Property Insurance Specialists

By |2022-05-31T11:04:38+00:00June 29th, 2019|Home Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Property Insurance Specialists

Property Insurance Specialists What type of Property Insurance do I need? Property Insurance is an insurance required for everyone who owns a building whether it is your home or business and will offer cover for the cost of rebuilding if damaged by an insured peril such as Fire or Storm.  In addition property insurance policies will offer public liability insurance to protect you from compensation claims should anyone be injured on your premises. Can I claim my property insurance against my tax? You can claim property insurance against your income tax as it is an expense for your business.  Always make sure that you get a receipt when it comes to making a claim against your income tax. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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29 06, 2019

Empty House Insurance

By |2022-05-31T11:10:20+00:00June 29th, 2019|insurance, Landlord Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Empty House Insurance

Empty House Insurance Property Insurance Centre are one of the leading insurance providers for Unoccupied House Insurance in the UK & Northern Ireland.  Standard home insurance policies only cover your home if it is empty for no more than 30 consecutive days at a time. Cover can provide: Property Owners Liability Fire Cover Option to increase to wider perils What does unoccupied mean for home insurance? Your home is considered empty or unoccupied if your property is empty for more than 30 days (a few insurance companies will go to 60 days) in which case your existing home insurance will reduce the types of cover that are offered.  There are lots of reasons that your home can become unoccupied, the most common is during renovations and it is important that you notify your insurance provider on what refurbishments are happening and an estimate on the cost of the works.  [...]

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28 06, 2019

Unoccupied Property Insurance

By |2022-05-31T11:13:49+00:00June 28th, 2019|insurance, Landlord Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Unoccupied Property Insurance

Unoccupied Property Insurance As one of the leading commercial and residential insurance brokers in the UK we are pleased to offer some of the best cover and rates on Unoccupied Property Insurance. We are one of the few companies to offer extended perils on cover of up to 90 days on inoccupancy (only if your intention is to let the property) which is per perfect for the many reasons that your home is unoccupied such as: Builders are in your home carrying out renovations or refurbishment and it is uninhabitable during the works. Long holiday (over 30 days for standard home insurance policies). Working abroad. Admitted to hospital for a long period or respite care. Admitted to a nursing home for a longer period. Away from your home because you work for the Army or other Military body. In between tenants if you let your home out. Get a [...]

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28 06, 2019

Property Insurance

By |2022-05-10T14:24:09+00:00June 28th, 2019|Home Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on 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 [...]

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28 06, 2019

Landlord Insurance Specialists in Northern Ireland

By |2022-05-31T11:39:54+00:00June 28th, 2019|insurance, Landlord Insurance, Uncategorized|Comments Off on Landlord Insurance Specialists in Northern Ireland

Landlord Insurance Specialists in Northern Ireland With over 40 years of trading as an insurance broker Property Insurance Centre have the experience and access to a wide range of the leading UK insurance companies to offer the best rates and cover available for Landlords in Northern Ireland. As a landlord it is important that you insure your buildings in order to protect your investment. Typical cover would be all standard perils such as Fire, malicious damage, accidental damage, storm, Flood, escape of water and Property Owners Liability is normally 2 million or can be raised to 5 million if required. Our insurance policies can cover public liability, legal expenses and loss of rent protection. We offer policies that are tailored to give you peace of mind and the best rates available in Northern Ireland.  We have access to the largest underwriters such as AXA, Ageas, Allianz, RSA, Aviva, Lloyds [...]

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26 06, 2019

Incentives for Landlords, Estate Agents & Property Managers

By |2021-01-15T07:57:19+00:00June 26th, 2019|insurance, Landlord Insurance, Uncategorized|Comments Off on Incentives for Landlords, Estate Agents & Property Managers

Incentives for Landlords, Estate Agents & Property Managers Property Insurance Centre have offered specialist insurance policies for commercial and residential landlords since 1976. We are an independent broker with access to a wide range of insurance underwriters such as AXA, Zurich, RSA, Aviva and Allianz. With offices in London and Newtownards, Northern Ireland we have thousands of clients all over the UK and a dedicated new business team ensuring that you do not have to deal with a call centre. Claire, Robert and Gavin are on hand to offer advice on any commercial or landlord insurance questions you may have as well as offering no obligation quotes. When it comes to commercial and landlord insurance policies there are very few companies who will offer a quote online facility.  Therefore, if you call us on 0800 085 3761 let us do the searching for you, this also ensures that you [...]

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26 06, 2019

What to watch out for as a Landlord

By |2020-07-23T11:16:22+00:00June 26th, 2019|insurance, Landlord Insurance, Uncategorized|Comments Off on What to watch out for as a Landlord

What to watch out for as a Landlord With the proposed Tenant Fees Bill about to come into effect a maximum £50 charge will be introduced for name changes to tenancy agreements. In addition to these changes, there are things you are responsible for as a landlord. By doing these tasks, you will keep a healthy relationship with your tenants. This means that the whole process will be easier to manage, especially when their tenancy comes to an end. If you have treated them properly and have done all the things on the list below then they will be more likely to leave the property is a good condition after getting end of tenancy cleaners london before they left. There are so many benefits from being good to your tenants that there’s no reason not to. Do Not Charge to fit smoke alarms It’s your landlord’s responsibility to make [...]

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25 06, 2019

Looking to Rent for the First time in London

By |2020-06-05T10:27:44+00:00June 25th, 2019|Buy to Let Insurance, Home Insurance, insurance, Landlord Insurance, Uncategorized|Comments Off on Looking to Rent for the First time in London

Looking to Rent for the First time in London If you are looking forward to moving to London for the first time can be exciting and challenging!  Therefore, we have the following tips when it comes to looking for your first flat/apartment in London. Find out what you are looking for and what part of London you are looking to move to. For example, South London will give you newer buildings and a bit more space for your money. Carry out plenty of research in terms of what facilities are close by, how long your train journey will take to work and what local restaurants, shops are nearby. When you are looking at the rental prices make sure you check what the additional costs are such as management fees, council tax, water rates, what type of heating the apartment is used (gas, electric or oil). If you know anyone [...]

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25 06, 2019

Insurance Brokers Newtownards

By |2020-05-21T14:44:22+00:00June 25th, 2019|Buildings Insurance, Commercial Property Insurance, insurance, Landlord Insurance, Uncategorized|Comments Off on Insurance Brokers Newtownards

Insurance Brokers Newtownards with access to Loss Assessors Mr Martin had internal water damage & damp in his office and reported the damage directly to his insurer. Mr Martin assumed the water damage was the result of a storm that occurred the previous evening, and that the storm has damaged his roof, and the water had penetrated the inside of his building directly from this. The insurer appointed a Loss Adjuster to the claim, and as the claim estimate was under a certain value, the adjuster refused to visit the property & insisted that the damage was not caused by the storm as the wind speed was not high enough to cause that level of damage to the roof. The customer contacted Property Insurance Centre for help, and as his broker, we asked a team of loss assessors, which are claim handlers who work for the customer (not the [...]

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12 12, 2018

Property Insurance Northern Ireland

By |2022-04-08T10:36:40+00:00December 12th, 2018|Commercial Property Insurance, Home Insurance, Homepage Blog, Landlord Insurance|0 Comments

Property Insurance Specialists in Northern Ireland Property Insurance Centre have been trading as an independent broker in Northern Ireland since 1976 and due to the long established relationships and access to the major insurance underwriters in the UK we are able to give the best rates and cover in Northern Ireland. We insure Commercial Property, Residential Landlords, Businesses & Private Home. We don’t offer false discounts online with our policies and are not on search comparison websites.  The reason for this is in order to pass on the best rates and cover available on our Home Insurance for our Northern Ireland customers.  We also offer genuine discounts on our home insurance policies for those with a no claims discount, have a working house alarm and other factors such as being in a neighbourhood watch scheme. Our Home Insurance Northern Ireland Scheme will not be beaten on price! We have great [...]

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