Property Owners


Property Owners, ‘Buy-To-Let’, Landlord or Rental Insurance can be notoriously tricky. It’s not just about protecting the bricks and mortar, you also need to consider your liability as a property owner, potential employer and from the risks your tenants present.

Key Points

  • Buildings
  • Landlords contents cover
  • Malicious damage caused by tenants
  • Damage caused by criminal activity e.g. cannabis farms or brothels
  • Accidental damage
  • Generous unoccupancy clauses
  • Loss of rent cover
  • Property Owners Liability
  • Employers Liability
  • Loss Recovery option
  • Flexible payment options

Firth & Scott have a wealth of expertise in this area with our management being landlords personally and are sympathetic to the issues property owners face.  We appreciate that Property is an investment and therefore it essential that the protection you arrange brings you the peace of mind you expect when purchasing insurance. Property insurance protects your buildings and contents against a range of catastrophes including fire, theft, flood and your liability as a property owner.

Every property is different and at Firth & Scott we will help you to determine what protection your policy needs to provide. We have access to a wide range of flexible insurers and will give you advice as to which policy suits your needs, saving you time and giving you the comfort of knowing your property is correctly protected. As a Firth & Scott client you’ll also benefit from our in-house claims expertise we can provide you as your broker.

With package policies, suitable for single or multiple properties, residential or commercial, we can arrange cover any type of occupant including students, DSS tenants, Asylum Seekers and even unoccupied properties. We can also assist you with properties with a history of flooding, subsidence, movement, or a poor claims record.

If it’s been a while since you have reviewed the levels of cover your current policy affords you, or you’re purchasing your first property and would like valuable advice, please give us a call.