Property Owner’s Liability Insurance
Property Owner's Liability Cover Backed By ‘Exceptional’ Service
Want to save money on your property owner’s liability insurance? Let the property owners’ liability insurance specialists at Coversure Hull compare our markets to find the property owners’ liability protection that’s right for you. Whether you have residential property, commercial property or a mixture of the two, call us today on 0800 977 6037 and let our award-winning team help you get the cover you need.
Property owners’ liability insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of property owners’ insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your property owners’ liability Insurance quote today.
What is property owner's liability insurance?
Property owner's liability insurance, or property owner's liability insurance as it’s also known, is a specialist form of liability insurance that’s been designed to protect landlords and other property owners from compensation claims. As a property owner if someone is accidentally injured while on your property or their property is damaged by yours, then they can sue you for compensation. Property owner's liability insurance can cover compensation claims and help with defence costs following incidents such as:
- A visitor to your property tripping on a loose paving slab
- A tile slipping from your roof and damaging a car parked nearby
- A tenant slipping on a piece of loose stair carpet
- A branch from a tree on your land coming down in a storm and damaging a neighbouring property
Who needs property owner's liability insurance?
It’s a common misconception that property owner's liability insurance is only for landlords. In fact, it’s a cover that all property owners should consider getting as it can protect:
- Landlords – from claims from tenants, visiting tradespeople or members of the public
- Homeowners – property owners’ liability insurance can be part of a homeowner's buildings insurance policy
- Businesses and commercial property owners – while most businesses will have public liability insurance in place, property owners’ liability insurance can help protect against expensive claims and it can cover costs and damages awarded to third parties
Whatever the type of property, owners have a legal responsibility to ensure their property is well maintained and doesn't pose unnecessary risks to the public. If you have any questions about property owner's liability insurance, then please call us on 0800 977 6037. Our team of independent insurance specialists will be happy to give you all the advice you need.
Can property owner's liability cover be purchased as a single policy?
While property owner's liability insurance usually forms part of a wider property policy – be it a landlord insurance policy or a home insurance policy – property owners’ liability cover can be taken out as a standalone policy. However, if you’re a developer, are planning a self-build, or simply have some land on which you may/or may not put a building at some point, then you can take out property owners’ liability cover. This is because property owners’ liability insurance covers your legal liability for the land too, so if someone was walking across your land and they were injured, you’d be protected.
What types of property can property owner's liability insurance cover?
This is an extremely flexible form of protection, and it cover:
- Landlord's rental properties
- Commercial properties
- Properties under construction
- Properties being renovated
- Properties undergoing conversion
- Land
- Unoccupied properties
- Holiday homes
- Second homes
These are just some of the types of properties we can offer protection for. If you have something specific in mind, please call us on 0800 977 6037.
How much does property owner's liability insurance cost?
At Coversure Hull we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your property owner's liability insurance quote will depend on things like:
- Your property’s postcode
- Whether it’s rented or owner-occupied
- Whether it’s occupied or empty
- Whether it’s commercial, residential or both
- The policy limits you want to set
- The level of excess you are prepared to pay
- Your claims history
If you’d like to know how much a property owner’s liability insurance policy will cost you, please get in touch. You can call us on 0800 977 6037 or start your landlord contents insurance quote today.
How to get cheaper property owners’ liability cover
As easy way to get cheaper property owners’ liability cover is to use a specialist independent insurance broker such as Coversure Hull. With our knowledge of the market and insurer relationships, we can help you get cheaper property owners’ liability insurance quotes either as part of your buildings insurance, landlord insurance, or as a standalone policy. Other ways include:
- Maintaining your property to reduce the risk of a claim
- Choosing lower policy limits, if possible
- Raising your excess
Property owner's liability insurance FAQ
Property owner's liability insurance is a complex area of cover and it’s important to get it right. To help you get the protection that’s right for you, here are our property owners’ liability cover frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
Q. Is property owners’ liability insurance a legal requirement?
A. No, but it makes an awful lot of sense, especially for properties that see higher levels of footfall such as rental properties and commercial properties
Q. Who needs property owners’ liability insurance?
A. Basically all property owners can benefit from having property owners’ liability insurance in place as even homeowners can be held liable for accidents or injuries
Q. Is property owners’ liability insurance available as a standalone policy
A. Yes, it’s often taken out by developers and landowners who either don’t have a property on their land yet or who have property being built or renovated. This is because property owners’ liability cover can protect them from problems arising from land holdings
Q. How much does property owners’ liability insurance cost?
A. That will depend on things such as:
- Your property’s postcode
- Whether it’s rented or owner-occupied
- Whether it’s occupied or empty
- Whether it’s commercial, residential or both
- The policy limits you want to set
- The level of excess you are prepared to pay
- Your claims history
Q.How can I get a property owner's liability insurance quote?
A. Getting a quote is easy. You can start your property owners’ liability insurance quote here or call us on 0800 977 6037
Get a property owner's liability insurance quote today
If you'd like some property owner's liability cover help or a property owner's liability insurance quote call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
