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Property Owners & Landlords Insurance

Protect your investment and secure your future with Java Insurance Brokers LTD. Whether you let a single flat, manage a mixed-use building, or hold a diverse portfolio, your properties are more than assets – they are a long-term plan. Our Property Owners Insurance is built to safeguard that plan. From physical damage to liability and rent protection, we arrange cover that lets you focus on growth, not worry.

Straightforward Claims Support

When something goes wrong, speed and clarity count. Our claims team coordinates assessments, keeps you informed, and pushes for prompt authorisation. We liaise with loss adjusters, contractors, and tenants where needed, aiming to limit disruption and restore rental income as quickly as possible.

Why Property Owners Choose Java Insurance

Every property is different, and so are the risks. We design policies that match the use and construction of each building, whether residential, commercial, or mixed-use. You benefit from competitive terms without trimming the protection that matters, plus direct access to specialists who understand leases, occupancies, and lender requirements.

If you need to make a claim, our dedicated team steps in early, guiding you through each stage so repairs, loss of rent, and liabilities are handled quickly and fairly. You can insure one building or a full portfolio, with the flexibility to add or remove locations as your holdings change.

What’s Included In Your Policy?

Core protection typically covers fire, storm, and flood damage, escape of water, malicious damage or vandalism, and theft. We help you set the right sums insured for the buildings, fixtures, and any landlord’s contents, and we include public liability for injury or damage arising at the premises, for example, if a tenant or visitor is hurt on site.

If the property becomes uninhabitable after an insured event, loss of rent can be included so the income you rely on continues during the period of reinstatement. Legal expenses support can be added for disputes with tenants or contractors, giving you expert assistance when problems escalate.

Many owners choose to extend cover to suit the way their properties are occupied and managed. Options include accidental damage for sudden one-off mishaps, contents cover for furnished lets or for white goods and carpets, and rent guarantee to protect income when tenants fail to pay under eligible circumstances. Terrorism cover can be added, as well as employer’s liability.

Who This Is For

This policy is designed for residential landlords with single properties or multi-property portfolios, commercial property owners, buy-to-let investors, property management companies, and residential groups in blocks of flats. We can also help when a property is vacant. Unoccupied buildings need specialist terms, security measures, and inspection routines – we will set out what is required and arrange the correct insurance while the premises are empty.

Keeping Your Income On Track

Cash flow matters. We make sure loss of rent is correctly calculated, reflecting realistic rebuild periods and any alternative accommodation duties where applicable. Where rent guarantee is selected, we will explain the conditions clearly, including referencing and tenancy requirements, so you know exactly how the protection responds.

Risk Management

Good risk control reduces claims and supports favourable premiums. We provide practical guidance on leak detection, heating and plumbing maintenance, flat roof inspections, security and access controls, and contractor management. For multi-let and commercial premises, we can discuss fire risk assessments, electrical testing, and hot-works protocols, helping you meet legal duties and insurer expectations.

Let’s Protect Your Properties

If you want cover that reflects the realities of owning and letting property, we would be pleased to help. We will review your buildings and leases, discuss occupancy and income, and design a policy that fits, whether you insure one address or an entire portfolio.

Call us today

01435 583 584

or complete our enquiry form
01435 583584
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