Residential Property Owners
From a single buy-to-let property to a significant residential property portfolio, Rowlands & Hames Insurance Brokers will arrange the appropriate cover at the right price.
With cover being paramount, we only offer policies from well-rated and respected insurers. We will seek quotations from a range of UK based insurers who continually demonstrate a consistently good claims service with flexible underwriting.
Where a portfolio of properties is to be insured, rather than arrange via individual policies, clients often prefer a single block policy with the one renewal date where you would tend to benefit from economies of scale premium wise and easier administration.
Speak to our commercial team to discuss your particular requirements.
Land Owners Liability Insurance
Land owners liability insurance is relevant where you just own land, without a building on site and you need to protect yourself against legal liability for any damages sought after an accident or injury to a third party.
Such cover is often required for:
- Sites pending building development
- Brownfield sites following demolition
- Grazing, moorland and woodland
- Private / residents roads
- Rough country
- Undeveloped pasture
Standard Land Owners Liability Cover tends to start at £1m.
Particular care should be taken with land where there are public rights of way, in close proximity to housing estates (due to the inherent danger of children accessing the site), and any land with ponds/lakes, streams, rivers and other water-courses.
Premiums start from as little as £150 per annum.
Property Owners, Investors & Managers
For individuals owning a single residential property to let to those owning a portfolio of residential and/or commercial properties to let, our Property Owners division can provide a range of quotations.
Whether individual policies are required per property or a block policy would be preferred to keep administration easy, we provide comprehensive insurance solutions.
Generally All Risks including damage by theft, subsidence and accidental damage for buildings and landlords contents, associated rental income (or alternative accommodation costs), plus the Property Owners Liability, policies can also be extended to include Terrorism, Legal Expenses, Engineering insurances or statutory inspection, and Employers’ Liability.
Speak to our Property Owners team for assistance.