Your Local Family Run Insurance Brokers
Landlords & Property Owners
Residential Let Property
Landlord insurance provides cover for your property - both the building itself and any furnishings you’ve provided.
It can also protect your rental income and cover your liabilities if your tenants are injured on your property and you are deemed to be at fault.
Types of Property Insurance
- Residential Let Property
- Commercial Let Property
- Unoccupied Property　 (Residential & Commercial)
- Holiday/Second Home
- Holiday Home Let
Commercial Let Property Insurance
Landlord Insurance & Property Owners Insurance
With air bnb's, yurts, residential lets - we cover them all and at affordable pricing.
There are many different names for and type of policies now available to tailor make for your specific needs.
We insure hundreds throughout Northern Ireland and would love for you to come on board and get treated to great customer service by a local broker.
Commercial Property Insurance
Providing cover for both the building itself and any furnishings you have provided. Protect your rental income in the event of a fire or flood.
Gain liability cover for tennants relating to any accidents you may be deemed liable for.
Holiday Home Insurance/Second Home Insurance
Insuring your home away from home is protected. Whether this is a holiday home or a second home - we have you covered.
Having the correct type of insurance cover, especially if you are also doing short term holiday letting is crucial and our holiday home insurances automatically include liability cover should a guest suffer an injury and you are found liable.
Furthermore, there may be compensation for loss of income should you not be able to let your property due to a flood or fire.
Although Holiday Home insurance is similar to normal home insurance, there are some major and key differences. For instance a Holiday Home policy will provide liability cover should a guest suffer an injury and you are found liable. The policy will also provide compensation for loss of income should you not be able to let your home as a result of say a fire or flood.
Additional Information on
Unoccupied Property Insurance
If you own a property, there may be times when it stands empty for a number of consecutive days which could invalidate or severely restrict the cover on your Home/Commercial Property Insurance.
In cases like this, you may typically need Unoccupied Property Insurance (also known as empty property cover) to insure that your Home/Commercial Property is still protected against unexpected events that cause loss or damage such as floods, fire, theft etc.
Holiday Home Let Insurance
Holiday Home Let Insurance is specialist insurance that covers landlords who let their holiday homes to paying guests and typically covers public liability, accidental damage and loss of rent.
Standard home insurance is not suitable for Holiday Home Let
Pricing
The cost of homeowner's insurance often depends on what it would cost to replace the house and which additional endorsements are attached to the policy. The insurance policy is a legal contract between the insurance carrier (insurance company) and the named insured(s). It is a contract of indemnity and will put the insured back to the state he/she was in prior to the loss.
Major factors in price estimation include location, coverage, and the amount of insurance, which is based on the estimated cost to rebuild the home ("replacement cost").
A number of factors, such as an increase in fraud and increasingly unpredictable weather, have seen home insurance premiums continue to rise in Northern Ireland.
In addition to standard home insurance, many households in Northern Ireland are categorized as being a "non-standard" risk. These households require a specialist or non-standard insurer that would cover home insurance needs for people that have criminal convictions and/or where the property suffers subsidence or has previously been underpinned.
In 2013, a survey found that about 60% of homes are undervalued by an estimated 17 percent.
Prices may be lower if the house is situated next to a fire station or is equipped with fire sprinklers and fire alarms or if the house has a security system and has insurer-approved locks installed.
What are perils?
Home insurance offers coverage on a "named perils" and "open perils" basis. A "named perils" policy is one that provides coverage for a loss specifically listed on the policy; if it's not listed, then it's not covered. An "open perils" policy is broader in the sense that it will provide coverage for all losses except those specifically excluded on your policy.