Compare Property Owners Insurance / Landlords Insurance quotations from a wide range of UK Insurers through Butler Evans and you will be assured of competitive premium costs and comprehensive insurance cover for your investment.
Low cost insurance from secure UK Insurers
Comprehensive cover including a wide range of extensions
Unoccupied property, Student Lets and Commercial Property quotations
Whether you are a single buy-to-let owner or a corporate property investor with a varied schedule of assets, we can advise you on competitively priced Property Owners Insurance protection tailored to suit your exact needs and budget.
We compare a wide range of secure UK Insurers so you can be confident we will obtain the best value protection for your investment.
Our policies can cater for difficult risks such as unoccupied properties, Waste & Recycling tenants and buildings with non-standard construction.
Our Property Owners Insurance products include the very best cover available including:
- Full perils on unoccupied premises
- Trace & Access
- Deletion of Average clauses
- Rental income protection
- Alternative accommodation
- Property Owner’s Liability
- Pollution cleanup liability
- Environmental Impairment
- Portfolio Insurance management and Premium invoicing
In addition, where you require we can work with professional service providers to secure:
- Property Valuations
- Lettings Management
- Loss adjusting
- Minor repair & maintenance management
- Major loss services
New for old cover on all our Property Owners Insurance
As a property investor you will often focus on the value of properties in your portfolio, however small investors may not be aware that the insurance sum insured represents the cost of reinstating your property, i.e. the rebuild cost and not the market value. Our Property Owners Insurance includes new for old protection to give you full reinstatement of buildings which are damaged, We will assist you to value your portfolio correctly for insurance purposes.
No Condition of Average in our Property Owners Insurance
If you are not familiar with this insurance policy condition, it can come as a nasty surprise. If you disclose a building value which is too low then, when it comes to a claim, Insurers will hold you responsible for self-insuring part of the loss. See a full explanation of Average here
The impact can be severe. If you declare a value of £250,000 on a building with reinstatement cost value of £ 500,000 then Insurers will hold you as co-insurer for half of any loss.
We can negotiate cover without this onerous condition providing you can provide a current reinstatement cost valuation.
Unoccupancy in Property Owners Insurance
When a building becomes unoccupied it becomes at higher risk of water damage or malicious damage. This can lead to fires and severe damage. Most Property Owners Insurance has exclusions of certain perils that take effect when a property is unoccupied for over 30 days. We work together with Managing Agents to prevent loss of cover through identification and protection of at risk properties.
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