The simple answer, unfortunately, is yes. Rightly or wrongly, insurers and underwriters tend to view DSS, asylum seeker and student tenants as a greater risk. While professional, working people are perceived by insurers and underwriters to be more morally sound and therefore more likely to look after the property they are renting. Unfortunately, this perception […]
Owning a rental property can provide a valuable source of income, but landlords can face financial risk if tenants fail to pay rent or if the property becomes temporarily uninhabitable. Loss of rent and tenant default insurance can offer protection to help safeguard rental income in these situations. We explore how this type of cover […]
Read More… from Loss of Rent & Tenant Default Insurance: How to Protect Your Buy-to-Let Income
Owning a buy-to-let property can offer a reliable income stream, but it also brings exposure to risks that standard home insurance may not cover. From accidental damage to liability claims and tenant-related losses, landlords face a unique set of challenges. Landlord insurance can provide tailored protection to help safeguard rental income, the property itself, and […]
Read More… from Landlord Insurance UK: What Every Buy-to-Let Owner Needs to Know
Letting a property can bring consistent returns, but it can also come with unexpected challenges. From physical damage caused by tenants to rent arrears that disrupt income, landlords may face situations that require a carefully managed insurance claim. Knowing how to respond effectively can help minimise financial impact. Landlord insurance can offer essential protection in […]
Read More… from Landlord Insurance Claims: What to Do When Tenants Cause Damage or Rent Goes Unpaid
The commercial property market is shifting. Rising rebuild costs, climate-related damage and legal changes mean landlords must reassess their cover. Commercial property insurance in 2025 needs to be more than a standard package. Rising Construction and Repair Costs Material and labour prices have increased, which affects rebuild valuations. If a policy underestimates rebuild cost, landlords […]
Read More… from Why 2025 Brings New Challenges for Property Owners
Many landlords think they are covered because they hold a general business or property policy. But commercial property insurance is designed to address the real threats landlords face. Without it, one event can lead to huge losses. Fire and Water Damage Costs Fire and flood are among the most expensive risks for commercial property. Rebuilding […]
Read More… from Why Hidden Risks Can Cost Landlords Thousands
Owning a commercial building brings opportunities, but it also carries financial risk. Damage, tenant disputes and unexpected legal claims can quickly disrupt rental income. Commercial property insurance protects landlords and business owners against these risks, helping them stay profitable even when unexpected events occur. What Commercial Property Insurance Usually Covers A strong policy should protect […]
Read More… from Commercial Property Insurance Matters More Than Ever
Choosing the right cover for a rental property in the UK depends on how that property is let. HMO landlord insurance and standard buy-to-let insurance both provide financial protection, but each applies to different rental setups. We support landlords in arranging policies tailored to the property’s use, helping protect both investment and rental income if […]
Read More… from HMO vs Standard Buy-to-Let Insurance: Which One Fits Your Rental Property?
Letting out a house in multiple occupation (HMO) brings more moving parts than a standard rental. From shared kitchens to multiple tenancy agreements, the risks involved increase, making HMO landlord insurance an important consideration. We help landlords arrange cover designed for HMO properties so they can protect both income and assets should a claim arise. […]
Read More… from From Tenant Damage to Legal Claims: Why HMO Landlord Insurance Matters
Managing a house in multiple occupation (HMO) brings unique risks compared to letting out a single household property. Understanding the key differences between HMO landlord insurance and standard landlord cover is important for protecting both property and income. As brokers, we help landlords arrange cover suited to the specific challenges that come with HMO properties. […]
Read More… from HMO Landlord Insurance UK: How It Differs from Standard Landlord Cover