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Product Information

Our Property Owners product is suitable for clients who are looking to cover single unoccupied residential and commercial properties. The product can also cater for properties where the commercial element is empty but the residential is occupied.

As well as Buildings Cover, this product can also be extended to include Landlord’s Contents.

Our insurer partners offer multiple levels of cover and policy benefits. For more details, please browse through our range of Property Owners documents within our Resources page.



  • FLEEA & Extended Perils options of cover available
  • Option to include contents - limits from £5,000 up to £50,000
  • £2M Property Owners Liability included as standard
  • Building Sum Insured Limits from £75,000 up to £2m
  • NCD Available
  • Discounts available for Increased Voluntary Excess
  • Cover available for boarded up properties


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Appetite Guide

Single Properties only
Unoccupied Residential Properties
Unoccupied Commercial Properties (Retail/ Office/ Industrial)
Unoccupied Commercial Properties where residential accommodation is occupied (Including Loss of Rent)
Minimum Building Sum Insured £75K
Maximum Building Sum Insured £2M
Landlords Contents' Cover Available
Property Owners Liability Automatically Included (£2M)
For properties that have been empty for up to 5 years
FLEEA and Extended Perils cover available
Properties undergoing construction can be considered (up to £100K structural/£200K non-structural works)
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Covea logo
HSB logo
Markel logo
Tokio Marine logo
MGAM logo
ARC logo
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