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Property Insurance

Whether you own a single rental property or a diverse portfolio, having the right insurance in place is essential to protect your investment. At Independent Insurance Bureau Ltd, we specialise in arranging tailored property insurance for landlords and commercial property owners, ensuring you have the right level of cover for your needs.

Landlord Insurance

Landlord insurance, also known as buy-to-let insurance, protects property owners from the risks associated with renting out a property. It typically includes cover for physical damage to the building and liability protection against tenant or third-party claims. Additional options such as loss of rent cover, malicious damage, and property owners’ liability can be included for enhanced protection.

Commercial Property Insurance

If you own commercial premises—whether occupied by your own business or rented out to tenants—we can arrange comprehensive insurance tailored to your property’s specific requirements. We provide cover for retail units, offices, warehouses, manufacturing facilities, and more. Our policies can include protection for the building itself, property owners’ liability, and loss of rental income.

Understanding the right level of cover can be challenging, but our experienced brokers are here to help. Whether you need insurance for a single property or a portfolio with varying property types, we can guide you through the options and secure a policy that gives you peace of mind.

To learn more about our property insurance solutions, explore your options below or contact us today to speak with an experienced insurance adviser.

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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.