Property Owners & Landlords insurance
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 should my insurance cover?
Many policies can be extended to include a range of benefits such as:
Payment of fines & penalties
Payment of ransoms & extortion
Cover for lost or disrupted income
Cover for physical injury/damage
The cost of phone hacks
Cost of notifying your contacts
Incidents at your outsourced service providers
Social media risks
What else might you need?
As no two circumstances are alike, no two policies should be alike – we won’t offer you a standard package if that is not best for your requirements. We may recommend additional covers such as:
- Landlords contents
- Statutory Equipment Inspection
- Personal accident & sickness
- Loss recovery
- Trustees Liability
- Flood cover
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 non-standard property insurance; for example, if you have high-risk tenants, there’s a history of flooding or subsidence, a listed property or one of non-standard construction, if there’s lack of planning consent, to name a few.
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