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Property Portfolio Insurance
Property Portfolio Insurance is designed for landlords with a portfolio of properties. After years spent building up your business, managing a succession of hurdles to ensure you bring your tenants exceptional service levels and quality properties. To complement your service you will require a professional insurance partner who understands your business:
- One policy to cover all your properties whether commercial or residential
- Comprehensive cover of your portfolio
- Dedicated contacts
- Trusted independent advice
The S-Tech Difference
We have spent more than 30 years developing products that, in our opinion, are unrivalled in terms of service and quality to become one of the leading suppliers of landlord insurance in the UK. With our own unique products and access to many recognised major insurance products we are well positioned to provide expert independent advice. To complement our expertise we have delegated authority for many claims ensuring a smooth and quick claims process.
Property Portfolio Insurance in detail
In addition to the standard Landlord Insurance product our portfolio insurance covers:
- All risks 'All risks' material loss or damage to buildings and/or contents
- Students and Housing Benefit tenants The ability to include occupation by students and Housing Benefit tenants at no extra charge
- Costs covered Cover for costs of rehousing a tenant(s) following insured damage to the property
- Loss of rent Loss of rent cover following insured damage to the property
- Property Owners' Liability Property Owners' Liability cover up to £5,000,000
- Employers' Liability Employers' Liability cover up to £10,000,000 for cleaners, gardeners, caretakers, and persons doing minor maintenance and repairs.
- 90 days' full cover Up to 90 days' full cover between lets for unoccupied properties
FAQs
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No you do not need to have this. Economies of scale means it makes financial sense to have all properties under the one policy but it is my no means essential.
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Yes you can, in some instances it will make sense to do this, but your insurance expert will take the time to understand your portfolio and suggest the best course of action.
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Yes the policies are not restrictive and you will be able to change your insurance as you buy and sell properties.
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Generally speaking any property that has a commercial element to it will be defined as commercial. This could range from a shop with flats above it right up to a full blown commercial industrial unit.
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Premiums can go up and down and there are many factors that will impact this. If you have a portfolio your spread of risk is larger and you will be able to absorb claims across your portfolio. The impact of any claim on your premium would be less than that of a single property owner. As we are independent we are not tied to any insurance provider and will ensure you have the best value and quality products for your portfolio at each renewal.
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Generally speaking five properties and above is defined as a portfolio.
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