Property Owners & Landlords insurance

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Why do I need insurance if I own or let a property?

Damage to your property by flood, fire or theft, injury to tenants or members of the public, subsidence, tenancy disputes – just some of the disasters that could destroy your investment and possibly cost you more than the market value of your property. The correct insurance will minimise the disruption.

The cover you need will be determined by the property or properties you own, whether commercial or residential, UK or overseas, occupied or vacant. At Sutcliffe & Co, we will discuss your circumstances and provide insurance coverage tailored to you.

What insurance do property owners and landlords need?

The cover you need will be determined by the property or properties that you own, be it commercial or residential, UK or overseas, occupied or vacant. Sutcliffe & Co will discuss your circumstances and provide insurance tailored to you. A small building could be quickly covered by a package policy, for a portfolio, larger or complex properties, we may recommend a bespoke policy to suit your requirements.

A basic property owners’ insurance package would normally include as standard:

Landlord’s contents

Frequently asked questions

What other cover might property owners and landlords need?
Sutcliffe & Co. will not just offer you an off-the-shelf solution, we want to get to know your business, so we can provide the correct cover you need. We may recommend additional cover that is specific for property owners and landlords, for example, employers liability, management liability, personal accident & sickness, private medical, statutory equipment inspection, loss recovery, contract works, bonds, equipment breakdown, environmental impairment and flood cover – just a few examples of the many types of extended cover available.
How much does property owners' and landlords' insurance cost?
How do I get a quote for property owners and landlord insurance?
In the modern era, many business owners opt to use comparison sites for their insurance in the belief that this is a quick and easy way to get cover. We believe that you get a better and quicker service by speaking to a broker – you can explain what you have to insure, the broker and advise you on wat you need and do not need, they will then find you competitive quotes, saving you time, hassle and reducing the risk of purchasing a complicated financial product.
If you would like to get a quote, if you are a property owner or landlord, contact one of our team. We can offer the correct cover for the right price, whilst building a personal relationship with you.
How easy is it to get property owners and landlord insurance?
Depending on the size and complexity of your property, cover can be as simple as a handful of details, whereas multiple premises or complex properties with more specific requirements would need an in-depth call or visit with one of our professional team members. Once we understand your needs, we can access specialist underwriters to create a bespoke and personalised policy that covers all your needs at the right price.
What are the legal requirements for property owners and landlord insurance?
Most insurance is not a legal requirement, except statutory cover which includes motor insurance and employers’ liability. If you have motor vehicles within your business which use public roads, motor insurance is a must. Additionally, if you have employees or volunteers, employer liability will also be a legal requirement.
Lease and tenancy agreements agreements generally include an obligation for the landlord to purchase certain covers. In a addition, a prudent property owner will be looking to minimise the risk to their investment and income.
Contact us to find out what insurance coverage your business needs to keep within the law.
Why you should choose Sutcliffe & Co. for your property owners and landlord insurance.
Sutcliffe & Co are an independent brokerage, which means we can approach a wide range of insurance companies to find you insurance that is right for you at a competitive premium. Then at renewal, we can review the market again to ensure your cover remains appropriate and competitive. If you are unfortunate enough to suffer a claim we will be there to hold your hand though the process to assist you with a fair and speedy resolution.
If you would like to receive a quote or advice, please contact us.
What if you have a problem with your property insurance?
The benefit of using an independent insurance broker, such as ourselves, is that we can usually solve problems with difficult to insure property types, such as:
Timber Frame
Flat Roof
Flood risk
Subsidence risk
Unoccupied
HMO
Undergoing renovation or construction
Listed
High risk tenants
Poor claims history
Mixed use
If you have difficult or unusual insurance needs please get in touch, we would love to help