IIB Insurance

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Frequently Asked Questions

What is Property Insurance?

Property owners insurance, also known as homeowners insurance, offers financial protection against property damage, loss of belongings, and liability for accidents occurring on the property.

Can I Get Cover For Loss of Rent?

Yes, if your property becomes uninhabitable due to an insured event—such as fire, storm, flood, or water damage—you may be able to claim for lost rental income. This ensures you’re not financially impacted if your tenant is unable to live in the property. To arrange appropriate cover, let us know your annual rental income and an estimate of how long it would take to rebuild your property in the event of severe damage.

Is Contents Insurance Necessary If My Property Is Unfurnised?

Yes, even in an unfurnished property, Contents Insurance can cover essential items you provide, such as carpets, curtains, and appliances. This protection ensures you won’t have to cover the cost of repairs or replacements if they are damaged or lost due to an insured event.

Why Should I Consider Legal Expenses Insurance?

Legal Expenses Insurance helps cover the costs of legal representation and court fees for disputes such as tenant conflicts, contract disagreements, and property-related legal issues. It provides valuable support, ensuring you’re protected without facing high legal expenses.