Property

Purchasing a buy-to-let property is a major investment. Therefore it's important to ensure that your property is adequately protected in the event of a loss. A standard property owner's insurance policy may not provide the levels of cover you require.

We offer a specialist landlord’s insurance policy which provides enhanced levels of cover in comparison to other options in the market.

Our landlord’s insurance policy includes:
• Accidental damage to buildings and landlord contents
• Cover for malicious damage and theft by tenants
• Up to 90 days cover whilst the property is vacant
• Loss of rent/alternative accommodation up to 20% of the building sum insured
• 36 Months Indemnity period for loss of rent
• Property owners liability cover up to £10,000,000 as standard
• Trace and access cover included
• Low excesses
• Legal expenses cover automatically included
• Delegated claims authority – claims up to £5,000 can be settled in-house without referral to an insurer

Please contact our team for a no-obligation quote for landlord’s insurance.

Howden Scotland are experts in arranging specialist insurance cover for letting agents. Our service includes market-leading landlord’s insurance and tenant’s insurance for your clients and comprehensive commercial cover to protect your business in the event of a loss.

Our growing number of clients and excellent referral rates ensure that we remain the broker of choice in the letting sector.

Key products tailored for letting agents include:
• Landlord’s insurance
• Tenant’s contents
• Block policy arrangements
• Blocks of flats
• Commercial property
• Professional indemnity
• Office insurance
• Management liability
• Business car fleet

Please contact our team for a no-obligation quote for letting agent insurance.

A property consisting of two or more apartments or flats is considered as a ‘block’ for insurance purposes.

If you are a co-proprietor within a converted or purpose-built block of flats, you need to ensure you have a comprehensive insurance cover in place.

Each block of flats has its own unique set of insurance risks. Our specialist service gives you the peace of mind that your block of flats insurance needs will be sufficiently met.

Please contact our team for a no-obligation quote for block of flats insurance.

With over 60 years’ experience in arranging insurance for property factors, we understand the importance of using an insurance broker with a specialism in the sector. From comprehensive block buildings insurance to commercial insurances to protect your business, we can offer the complete package to add value to your client service provision.
We have strong relationships with a panel of leading UK Insurers to ensure we continue to provide the most competitive option in the market.

Key products tailored for property factors include
• Block buildings insurance
• Property owners liability
• Engineering inspection & insurance
• Landlord’s insurance
• Professional indemnity
• Office insurance
• Management liability
• Business car fleet

Please contact our team for a no-obligation quote for property factors insurance.