Property Owners Insurance from £12/month

Property owners insurance — single buildings, blocks and portfolios

Property owners insurance covers the building, owner's liability and (optionally) loss of rent for commercial, residential and mixed-use property you let to tenants. Premier Insurance arranges property owners cover for landlords, investors, family trusts, SIPP-held properties, blocks of flats, commercial portfolios and mixed-use buildings — from single retail-with-flat-above units to multi-million-pound commercial portfolios.

What a property owners policy covers

• Buildings to full rebuild value with index linking
• Property owners' liability £2m–£10m for tenant or third-party claims
• Loss of rent following an insured event — 12, 24 or 36 month indemnity
• Subsidence, heave & landslip — with sensible excesses for clay-belt postcodes
• Trace & access for leak detection
• Alternative accommodation for residential tenants
• Terrorism — increasingly required by commercial lenders and tenants

Typical property owners pricing in 2026

• Single residential let: £18.00–£42.00/mo (see landlord insurance)
• Single commercial unit (retail / office under £500k rebuild): £45.00–£120.00/mo
• Mixed-use building (shop with flats above): £85.00–£245.00/mo
• Block of 10–20 flats: £950.00–£2,800.00/yr total premium
• Commercial portfolio (£5m–£25m rebuild): £6k–£28k/yr depending on tenant mix

Why portfolios always benefit from a block policy

If you own 4+ properties, putting them on individual policies typically costs 25–45% more than a single portfolio policy. The portfolio policy also gives you: one renewal date, one excess per claim event (not per property), the ability to add/remove properties mid-term without re-rating, and significantly better terms on subsidence and unoccupied wordings. We routinely move clients from 8–12 individual landlord policies onto a single annual portfolio policy at meaningful savings.

For a property owners quote, call 020 8908 2426.