Compare
Property Owners
Compare Property Owners Insurance
Protect your investment with property owners’ insurance tailored to landlords and commercial property owners. At 1st Choice Insurance, we compare leading property insurance providers to find the best coverage for your needs. Whether you own a single rental property or a portfolio of commercial buildings, our expert brokers can create a policy that keeps your assets safe and your finances secure.
Get a Property Owners Insurance Quote
Whatever your requirements, 1st Choice Insurance is here to help. Call our friendly, experienced team on 03301 081615 for a no-obligation property owners insurance quote or use our get a quote form.
What is Property Owners Insurance?
Property owners’ insurance is designed to protect your property investments from risks such as fire, theft, accidental damage, liability claims, and loss of income. Unlike standard home insurance, landlord or commercial property insurance is specifically tailored to the needs of property owners, covering multiple risks under one simple policy.
Whether you own a single rental home, a multi-unit building, or commercial premises, property owners’ insurance gives you peace of mind that your valuable assets are protected.
Common coverage options include:
-
Buildings insurance for landlords and commercial properties
-
Contents insurance for furnished rental units or offices
-
Public liability and employer’s liability
-
Loss of rent and loss of income insurance
-
Accidental or malicious damage protection
-
Property repair and emergency cover
At 1st Choice Insurance, we design bespoke policies to ensure no risk is left uncovered.
What Does Property Owners Insurance Cover?
We provide a comprehensive range of property owners’ insurance policies, including:
-
Landlord Buildings Insurance – Protects the structure of your rental property against fire, flood, storm, or accidental damage.
-
Commercial Buildings Insurance – Covers offices, warehouses, or shops for building damage and liability.
-
Landlord Liability Insurance – Protects against tenant or visitor injuries on your property.
-
Employer’s Liability Insurance – Legally required if you employ staff or contractors on-site.
-
Landlord Contents Insurance – Covers furniture, appliances, and fixtures in rental properties.
-
Accidental Damage Insurance for Landlords – Protects your property from unexpected damage caused by tenants or visitors.
-
Landlord Emergency Cover – Provides urgent support for plumbing, electrical, or heating failures.
-
Loss of Rent Insurance – Ensures income continues if your property becomes uninhabitable.
-
Rent Guarantee Insurance – Protects against non-payment of rent by tenants.
-
Legal Expenses Insurance – Covers legal costs related to property disputes.
-
Unoccupied Property Insurance – Protects vacant homes or buildings from damage or theft.
-
Commercial Property Owner Insurance – Tailored policies for businesses and commercial landlords.
Benefits of Property Owners Insurance
Protects Your Investment
Property owners’ insurance safeguards your buildings against fire, flood, storms, vandalism, and accidental damage. One serious incident could cost thousands. Insurance keeps your financial investment secure.
Covers Loss of Rental Income
If your property becomes uninhabitable after an insured event, loss of rent cover ensures your income continues. This protects your cash flow, mortgage payments, and long-term financial stability.
Reduces Liability & Legal Risks
If a tenant or visitor is injured at your property, legal claims can be expensive. Landlord liability, public liability, and employers’ liability cover help protect you from compensation costs and legal fees.
Protects Your Contents
For furnished properties, you can insure furniture, appliances, fixtures, and fittings. This keeps replacement costs low in the event of damage, theft, or destruction.
Covers Accidental & Malicious Damage
Whether it’s accidental damage from good tenants or malicious damage in rare situations, having the proper protection avoids costly repairs and unexpected out-of-pocket expenses.
Emergency Assistance When You Need It
Landlord emergency cover provides quick help for urgent issues like burst pipes, electrical faults, boiler breakdowns, or broken locks — reducing disruption for you and your tenants.
Tailored for Any Property Type
From single buy-to-let homes to HMOs, commercial buildings, and large portfolios, policies can be customised to suit your level of risk, property type, and occupancy.
What Types of Properties Can Be Covered?
Property owners’ insurance can be arranged for a wide variety of building types, making it suitable for landlords and investors with different portfolios. We can help arrange cover for:
-
Residential buy-to-let properties
-
HMOs and multi-let buildings
-
Student accommodation
-
Flats and apartment blocks
-
Commercial units and retail premises
-
Industrial buildings and warehouses
-
Mixed-use properties
-
Unoccupied properties awaiting tenants or renovation
No matter how simple or complex your property portfolio is, we can provide a policy that offers the protection you need.
Why Choose 1st Choice Insurance?
At 1st Choice, we specialise in property owners’ insurance for landlords, commercial property owners, and investors. Our team can:
-
Compare multiple insurance providers to find competitive rates
-
Advise on the right policy type for your property portfolio
-
Provide guidance on optional extras like emergency cover, loss of rent, and legal expenses
-
Ensure your property and income are protected against unexpected events
With our expert support, you get tailored cover, professional service, and peace of mind that your property investments are secure.
Frequently Asked Questions About Property Owners’ Insurance
Do I need property owners’ insurance as a landlord?
Yes. Standard home insurance usually does not cover rental risks. Property owners’ insurance protects your buildings, contents, and rental income.
What is included in commercial property insurance?
Commercial property insurance covers buildings, contents, liability, and loss of income for businesses operating from offices, shops, or warehouses.
Can I insure multiple properties under one policy?
Yes. Multi-property policies allow you to cover your entire portfolio under a single, convenient policy.
What is loss of rent insurance?
Loss of rent insurance compensates you if your rental property becomes uninhabitable due to an insured event, ensuring your rental income continues.
Does landlord insurance cover tenant damage?
Accidental or malicious damage cover protects your property against damage caused by tenants or visitors, depending on your chosen policy.
Is emergency property cover included?
Emergency property cover is an optional add-on that provides immediate support for plumbing, heating, or electrical emergencies.
