About our Property Owner’s Insurance
When you own property, whether it’s a single buy‑to‑let, a block of flats or a commercial building, you need insurance that reflects the risks and responsibilities that come with being a landlord. Damage, loss of rent and liability claims can all create financial pressure, especially if you’re managing multiple tenants or unoccupied premises.
At Abbeyfields Insurance, we have vast experience in helping commercial property owners and private landlords get the protection they need. Our Property Owner’s Insurance brings all the essential covers together in one tailored policy, designed around the way you let, manage or maintain your buildings. We’ll help you arrange cover that fits your buildings, tenants and long‑term plans.
Why you need Property Owner’s Insurance
Owning property exposes you to risks that can be costly to put right. A fire, flood or storm could damage your building. A tenant could get injured on your premises. And if your property becomes uninhabitable, the loss of rent can quickly affect your income.
Without the right cover, you may be responsible for repairs, legal fees and compensation, all while managing the disruption to your tenants.
Our Property Owner’s Insurance gives you a financial safety net when things go wrong. It can protect your buildings, fixtures, fittings and rental income, while also covering your legal responsibilities as a landlord. Whether your property is occupied, unoccupied, under refurbishment or part of a wider portfolio, it’s a straightforward way to safeguard your investment and keep things running smoothly.
What our Property Owner’s Insurance includes
With more than 45 years’ experience supporting landlords and property owners, we understand that every building is different. We’ll take the time to understand your properties, occupancy status and rental arrangements, then build a policy that protects you properly. Your cover can include:
- Accidental damage to buildings, including fire, flood and storm
- Cover for occupied and unoccupied properties
- Protection for blocks of flats and multi‑unit buildings
- Cover for religious buildings and specialist property types
- Buy‑to‑let and private landlord cover
- Protection for properties awaiting sale or refurbishment
- Airbnb and short‑term holiday lets
- Subsidence cover
- Property owner’s liability for injury or third‑party property damage
- Legal expenses
- Loss of rent following insured damage
- Support with claims
Why choose Abbeyfields for your Property Owner’s Insurance?
Abbeyfields is a family‑run, independent broker with decades of experience arranging cover for private landlords, investors and commercial property owners. When you call us, you’ll speak directly to someone who understands the market and can help you get the right protection straight away. Here’s what you can expect when you choose us:
Clear, practical guidance
Personal service from people who care
Strong relationships with property insurers
Fast, friendly support whenever you need us
Help with claims from start to finish
Competitive premiums and low admin fees
Straightforward policy amendments as your portfolio evolves
We’re here to make protecting your properties simple, so you can focus on serving your tenants.
Frequently asked questions
Check out our FAQs below. If you still can’t find what you’re looking for, get in touch. We’ll be happy to help.
It protects your buildings, your rental income and your legal responsibilities as a landlord. This can include accidental damage, fire, flood, storm, subsidence, loss of rent and liability cover.
Property Owner’s Insurance is designed to protect both your building and the income you earn from it. Depending on your needs, it can include cover for accidental damage, fire, flood, storm, subsidence and loss of rent, and ensure you meet your legal liabilities as a landlord. The exact mix of cover is tailored to the type of property you own and how it’s occupied.
Yes, and it’s important to get this right. Empty buildings carry different risks, whether they’re between tenants, awaiting sale or mid‑refurbishment. We can arrange cover that reflects those exposures, rather than leaving you with gaps in cover you didn’t realise were there.
It can. If your property becomes uninhabitable after insured damage, loss of rent cover helps protect the income you’d normally receive from your tenants.
Yes. Property owner’s liability protects you if someone is injured on your premises or if their belongings are damaged and you’re held responsible. It's cover that's key when you're a landlord, especially if you have regular visitors, contractors or communal areas.
Absolutely. Many landlords prefer a single portfolio policy because it keeps everything in one place and renews at the same time. It’s simpler to manage and often more cost‑effective.
Yes. We can arrange cover for short‑term lets, including those listed on Airbnb and similar platforms. These properties often face different risks, such as higher guest turnover, periods of unoccupancy and increased wear and tear. So, your policy will be tailored to reflect that. You can insure the building, contents and liability exposures, and you can also include loss of rent if the property becomes unusable after insured damage. It’s a straightforward way to protect your investment while still having the flexibility to host guests throughout the year.
Protect your property today
Call our team on 0121 655 3420 to discuss your needs, or complete our online form and tell us the best time to call you back. We’re here Monday to Friday, 9am to 5pm. We’ll talk through your properties, your tenants and your risks, then create a tailored policy that covers everything properly.
