Property Insurance
Do I need property insurance if I’m a landlord of a buy-to-let property?
It is also worth bearing in mind that a conventional home insurance policy won’t provide enough cover for rental activities. Being a landlord comes with lots of risks, so if your property is damaged or, for example, if a tenant is hurt due to the condition of the property and decides to make a claim that results in a pay-out, you will have to pay out of your own pocket if you do not have the right insurance in place.
Horner Blakey have a long-standing affiliation with The Landlord Association and can help you secure financial cover for a wide range of standard and non-standard residential properties, ranging from bungalows and flats to country homes and premium mansions.
Do landlords of commercial properties need to have insurance?
Like residential property insurance, there is no legal requirement for taking out financial cover, but it can give you peace of mind that any accidental damage, theft or malicious damage it experiences has the right protection.
At Horner Blakey we have a long history of working with commercial property landlords, helping them to create bespoke policies for valuable assets. It can be anything from a hotel, café or restaurant to a retail store, pub or warehouse – no matter the sector, we can connect you with a provider that will take care of your needs.
Should I insure my block of flats or property portfolio?
Our team of experienced insurance specialists can help you put together a policy based on your needs and the number of properties you own. It can include things such as buildings and contents insurance, alternative accommodation cover or rapid loss recovery protection, all at very competitive rates.
Do I need insurance for an empty property?
The Horner Blakey team can help you assess the amount of cover you will need for an unoccupied property. Aside from buildings and content insurance, there are several extras you can add into your policy to ensure you are fully covered, so you don’t have to worry so much about the property when you’re not staying there.
Properties with a history subsidence – can I take out insurance?
However, specialist subsidence insurance providers do exist, and Horner Blakey can help you find the right one for your property. It can help to pay for any repairs that may be needed as well as covering the costs of living in alternative accommodation for a short period.