How letting agents can help landlords avoid underinsurance problems this winter
Winter exposes gaps in many landlords’ insurance policies Letting agents and property managers often see the earliest signs of winter-related problems: Burst pipes Leaks Storm damage Unoccupied properties creating risk Tenants reporting heating or damp issues When a landlord then makes a claim, one issue commonly determines whether the claim pays smoothly or whether there […]
Are your portfolio properties underinsured this winter? The hidden risk multi-property landlords face
Multi-property landlords face a multiplier effect – especially in winter When you own several properties, the risk of underinsurance doesn’t rise gradually.It multiplies. Storm damage, escape of water, unoccupied periods between lets, older roofs, ageing plumbing, student turnover, HMOs, mixed property types – all these risks increase the chances that one or more of your […]
Could a winter claim reveal your rental property is underinsured?
Winter is when underinsurance bites You don’t usually discover your rental property is underinsured when you buy the policy.You discover it on the worst winter’s night of the year – when a burst pipe, storm damage or a serious fire forces you to claim. Across the UK, independent surveys over recent years have repeatedly shown […]
Specialist & Non-Standard Risks: Protecting Unique Properties in 2026
Not all rental properties are built the same—and insurers know it.Listed buildings, thatched roofs, flat roofs, non-standard construction, steel or timber frames, older terrace conversions, mixed-use buildings, and architecturally unusual properties all sit outside the “standard” underwriting box. These properties often require specialist placement and deeper technical knowledge to insure correctly. Without the right broker […]
Blocks, RTMs & Freeholders: Smarter Insurance Placement for 2026
Block insurance remains one of the most complex areas of property insurance—and also one of the most important. Whether the building is overseen by a freeholder, a Right to Manage (RTM) company, a residents’ management company (RMC), or a managing agent, the decisions made about insurance affect every flat owner and every occupant. As we […]
Loss of Rent & Alternative Accommodation: Protecting Your Cashflow in 2026
The financial impact of a property claim is almost always far greater than the cost of the physical repairs. For landlords, the real risk lies in lost rental income, disruption to tenancy agreements, and the cost of housing displaced tenants. As insurers prepare for the 2026 cycle, loss of rent and alternative accommodation cover (often […]
Liability, Tenants & Trades: When Protection Really Matters in 2026
Liability cover is one of the least discussed yet most financially devastating aspects of landlord insurance. While property damage claims are common and often manageable, liability claims—those involving injury to tenants, visitors, or tradespeople—can reach hundreds of thousands of pounds, sometimes more. In an insurance market that is tightening ahead of 2026, liability exposure is […]
Sums Insured & Rebuild Costs: Ending Underinsurance for Good in 2026
Underinsurance has become one of the most significant issues facing UK landlords—and one of the most expensive. Rising construction costs, supply chain pressures, labour shortages, and evolving building regulations have combined to push rebuild costs far above many landlords’ current sums insured. The result?Millions of pounds in avoidable penalties, reduced claims settlements, and financial exposure—particularly […]
Unoccupied, Refurb or Conversion? Keeping Projects Properly Protected for 2026
Few situations expose landlords to more risk—and more potential claim disputes—than periods of unoccupancy, refurbishment, or structural alterations. These scenarios require very different insurance arrangements compared to a standard let, yet they remain one of the most misunderstood and under-declared areas in landlord insurance. As we move toward 2026, insurers are tightening their stance on […]