Property Owners Insurance

As a property owner, ensuring your assets are well-protected is essential. Property Owners Insurance from Robison & Co offers the peace of mind that comes from knowing your buildings and other assets are covered. Whether you own residential or commercial properties, our tailored insurance solutions are designed to meet the unique risks you face, helping you safeguard your investments for the long term.

What is Property Owners Insurance?

Property Owners Insurance is designed to protect individuals or companies who own properties from a range of risks. This includes cover for damage to the property, potential liability claims, loss of rental income, Property’s being renovated, Unoccupied Properties and HMO’s. With the right protection, you can mitigate the financial burden of unexpected events, such as fires, floods, vandalism, or tenant-related issues.

This policy not only covers the physical structure of your property but also protects you from liabilities that may arise while managing or renting out your properties.

Why Choose Robison & Co

At Robison & Co, we offer property owners more than just insurance – we offer peace of mind. Here’s why our clients trust us to protect their investments:
Tailored Insurance for Your Need – Every property is different, and we understand that your insurance needs are unique. That’s why we offer flexible, customised policies that suit your property type, whether it’s residential, commercial, or a mixed-use building.
Expertise You Can Trust – With years of experience in the insurance industry, our team has the knowledge and expertise to help you make the best decisions for your property. We’ll guide you through the process and explain every aspect of your policy in straightforward terms.
Reliable Protection for All Types of Property – From city centre offices to suburban homes, Robison & Co has you covered. We offer reliable protection against common risks like weather damage, tenant disputes, and unforeseen liabilities.
Competitive Pricing and Value – We believe in offering high-quality protection at an affordable price. Our team works with you to find a plan that fits your budget, without compromising on essential cover.
Fast Claims Support – In the unfortunate event of a claim, we offer fast and efficient claims support. Our team is here to help you every step of the way, ensuring your property is repaired and restored as quickly as possible.

Who Does Property Owners Insurance Cover?

Property Owners Insurance covers a wide variety of property owners, including:

  • Residential Property Owners: If you own homes, flats, or apartment blocks, this insurance provides essential protection against property damage and liabilities.
  • Commercial Property Owners: Whether you own office buildings, retail spaces, or warehouses, the insurance can cover damage and liabilities specific to the commercial property sector.
  • Landlords: For those renting out residential or commercial properties, the policy covers you against issues like tenant damage, rent non-payment, or liability claims.
  • Real Estate Investors: If you own multiple properties or manage an investment portfolio, this insurance can help protect your portfolio from a range of potential risks.
  • Property Management Companies: Businesses that manage multiple properties can also benefit from comprehensive property owners insurance to protect against property and liability claims.

What is Included in a Typical Property Owners Insurance Policy?

A typical Property Owners Insurance policy offers comprehensive cover for a variety of risks associated with property ownership. The key components usually include:
Building Insurance
This covers the physical structure of your property against damage caused by events such as fire, storm damage, vandalism, or flooding. Whether you own a single house or a large portfolio of buildings, this is the foundation of your policy.
Landlord’s Liability Insurance
This protects you from liability claims that could arise from accidents occurring on your property. For instance, if a tenant or visitor is injured due to a defect on the property, this covers the legal costs and any compensation claims.
Loss of Rent Insurance
If your property becomes uninhabitable due to an insured event (e.g., fire or flood), this section of your policy will cover the loss of rental income during repairs or rebuilding.
Contents Insurance
If you own the contents of the property (e.g., appliances, furniture, or office equipment), this insurance covers loss or damage to those items caused by fire, theft, or other insurable events.
Tenant Default Insurance
For landlords, this part of the policy, typically offered as an extension or add-on, covers you if tenants fail to pay rent, helping to reduce the financial impact of rent arrears.
Legal Expenses Insurance
This provides cover for the legal costs associated with property disputes, evictions, or other issues that may arise between property owners and tenants.

Management Risk Toolkit

Commercial Property Building Inspection Checklist
Commercial Property Building Inspection Checklist

Ready to Protect Your Business?

Protect your property today with Robison & Co. Get in touch with our team to learn more about how our Property Owners Insurance can safeguard your investment. Contact us for a free consultation or request a quote today!

Property Owners Insurance FAQs

We can insure a wide variety of properties, including residential homes, apartments, commercial properties, and mixed-use buildings. Whether you’re a landlord with rental properties or a business owner with commercial buildings, we can provide tailored cover.
Yes, our policy can cover damage caused by tenants, ensuring you’re protected from repair costs or loss of rental income due to tenant-related issues.
While Property Owners Insurance isn’t always legally required, it is strongly recommended to protect your financial interests. If you have a mortgage, your lender may also require you to have building insurance.
Absolutely. We offer flexible policies that can be tailored with additional cover, such as loss of rent insurance, contents insurance, and more.
Getting a quote is easy! Simply contact Robison & Co today for a free consultation, and we’ll provide you with a personalised quote based on your specific needs.

What Our Clients Say

Richard Young – Commercial client

Simon has been great, managed to get me indemnity insurance and office insurance with better cover and cheaper than I had been offered elsewhere. Smooth, friendly and efficient process. Perfect outcome!

David Reffell – Private client

Marie was extremely professional and handled the issue of insuring my late father’s house with tact, sensible questions and an effective result! Thank you

Jonathan Walker – Commercial client

Helped me with business insurance as my current provider were playing silly games.
I like the fact Danny could interrogate the policy wording to ensure I was properly protected.

Thank you for all your time and help.

Belinda Wilkins – Private client

We have used Robison & Co for many years. They always research the best options for us and discuss them clearly. We have a good relationship and I am very happy with the service they continue to provide.

Wayne Osborne – Commercial client

I can always rely and trust Robison and Co to give us their best personal attention and product that’s the very best fit for us at a highly competitive price

Tracey Bird – Commercial client

Robison are professional, helpful and deliver updates in a timely manner – Protection & Investment Limited

Kevin Shilling – Commercial client

Robinson & Co is professional, reliable and responsive. What more do you want?!

Tim Bonnett – Commercial client

Robison & Co have always provided an excellent service with a professional and friendly approach and the willingness to spend time reviewing and supporting support requests.

Lucy Spooner – Commercial client

Called Jack late on a Friday afternoon and he promised to email on Monday, which he did. The following day I was able to pop into the office and pay, all sorted without very little hassle and what we think is a fare price for our small business. We have never had to and hope not to make a claim so cannot comment on any further service. I would certainly recommend you Jack and thank you.

Sylvia Parker – Private client

Robison and Co have provided excellent, good value insurance for all my personal needs for more than 20 years I would highly recommend them to anyone needing insurance for personal and business needs. They offer good value, a personal approach, and timely response and support when claims are required and also offer timely reminders when renewals are due. They offer exceptional value for money.

Paul Jefferson – Private client

Professional and cost effective service

Marco Burattin – Private client

Marie made renewing my home insurance surprisingly easy. She was friendly, efficient and completely discreet throughout, which I really appreciated. Nothing was too much trouble and the whole renewal process felt straightforward and stress-free thanks to her help.

Kevin Mills – Commercial client

Excellent service from Jack at Robison’s. He explained my questions ( I had lots ! ) and helped me obtain a buildings insurance that met my needs. Couldn’t ask for better. Highly recommended

David Gubbins – Private client

Great Efficient Service and a competitive price

Wayne Osborne – Commercial client

Always a pleasure to deal with Jack @ Robison,
They have handled our business insurance for more than 10 years and always competitive, carefully considered options for us and great communication and service.

Hannah Jones – Private client

I have insured my car with Robison’s for over 30 years now, says it all really, top notch service at all times !!!!

Roger Ivimy – Private client

Extremely helpful and professional

Lesley Hickman – Commercial client

We have been with Robison for many years now. We were very grateful for the major savings we made with the transfer to Robison. Every year Simon does an extensive review of the market, and we are very confident that he has come up with the best price. Simon and his team are always available should we need help, also Simon is always happy to talk to our customers if needed.

Fiona Robinson – Private client

This company go above and beyond for their clients. I receive an efficient but more importantly a very personalised service. I have been a client for over a decade now and all my insurance is done through this firm. Marie looks after me and always replies to my questions whatever time of day. As I travel alot it makes all the difference to know “Marie has my back” whatever time of day it is. I was on the receiving end of what I took to be a fraudulent claim scam that was drawn out over a year. I always felt Marie believed me and helped me refute the claim and fight the case. We won in the end but often businesses choose to take the easy option and “roll over” when such a claim is made but these are honourable people with integrity. It is often when things go wrong that you really see the value of the company and particularly so with insurance. This company is still small enough to offer a personalised service and to really care about their clients. Thank you!

Oscar Lawson – Private client

Marie is always at the end of the phone ready to sort out anything I throw at her! Usually, my premiums are lower year on year, and I know she has my back covered. She is personable, always good humoured and gives me the best advice

Jo Hilder – Commercial client

Very helpful, friendly and knowledgeable insurance broker. Helped me out when I was struggling to find a decent yet affordable policy for doing business with the (rather litigious!) USA.

Rebekah Hart – Commercial client

Excellent bespoke service from all at Robison’s. Renewals are no longer dreaded now I have their help. Thanks Kerrie and Danny!

David Bridge – Commercial & Private client

Simon’s role as Managing Director of Robison & Co is characterised by considerable experience in the field of insurance, excellent customer care and an innate understanding of his clients’ diverse and often complex requirements. His advice is pertinent, timely and invariably of a high order and he demands similar standards of his motivated team. Strongly recommended from a business and client point of view.

Kevin Shilling – Commercial client

These guys are simply the best! Their understanding of my requirements, their diligence in getting sensible and rational quotes, and their all-round professionalism makes Robison & Co a top team, the best team. I use Robison & Co for property insurance, restaurant cover and business travel. If they flew aircraft, I’d fly with them.

Stuart Climpson – Commercial client

We have worked with Simon and his team at Robison for all our business insurance needs for many years now. The experience and knowledge are nothing short of outstanding. From the start, they always take the time to understand our operations, identified potential risks we hadn’t considered, and tailored a policy that fits perfectly. They are true partners in protecting our business. Their responsiveness, transparency, and ability to explain complex coverage in plain language makes the process smooth and stress-free. Highly recommend to any business looking for reliable, knowledgeable, and customer-focused insurance support.

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