Practical guide
Choosing a Property Insurance Broker
Standard home insurance won't cover landlord or SA properties. You need specialist cover — and the wrong policy can leave you exposed.
Cover to Ask About
- •Landlord buildings & contents insurance
- •HMO & serviced accommodation policies
- •Rent guarantee & legal expenses
- •Public liability cover
- •Unoccupied property cover
What to Check
- •Are they FCA-authorised? (check the register)
- •Do they specialise in property investment?
- •Can they cover mixed portfolios (BTL + HMO + SA)?
- •What's the excess and claims process?
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More guides
- R2SA: Rent-to-Serviced Accommodation
- HMO: House in Multiple Occupation
- BRRR: Buy, Refurbish, Rent, Refinance
- BTL: Buy-to-Let
- JVs: Joint Ventures
- Due Diligence Checklist
- Sourcer Fees — What's Normal?
- Choosing a Management Company
- Working with Developers & Capital Raisers
- Choosing a Property Solicitor or Conveyancer
- Why You Need a Property Accountant
- Bridging Finance — When and How Investors Use It
- Buying Property at Auction — What Investors Need to Know