Property Owners Insurance
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Compare QuoteswHAT IS PROPERTY OWNERS INSURANCE?
Whether you own a single property or you have a portfolio of properties that you rent out, you need to have your investment protected with the right insurance. In the event your property is damaged, this will keep you financially protected.
In addition, you’ll need to accept certain legal responsibilities if you rent out the property you own. This might well leave you financially exposed in the event an accident happens and you face legal claims against you. As an owner, you must ensure that each of your rented properties is maintained, and any health and safety hazards that may arise are dealt with quickly and efficiently to reduce the chances of any risks to your tenants. However, accidents happen, which is why you need insurance.
At Brisco Business Insurance, we work with clients across a range of industries to help them get the insurance policy that’s right for them. You can quickly and easily compare business insurance packages and find the comprehensive cover that best suits your business’ needs.
If your tenants, or any third party, suffers an accident because of a problem with your property they may be entitled to compensation. It is essential to have adequate insurance in place to cover the expenses of meeting their claims and satisfying your obligations as the property owner.
wHAT DOES PROPERTY OWNERS INSURANCE COVER?
Property owner insurance prevents you from having to foot the bill in the event that any of your properties suffer damage, such as from fire, storm, flood, because of a break in, or even by your own tenants. These costs can be very expensive, depending on the severity, and may leave you in financial hardship if you’re not appropriately insured.
It also covers you if any of your tenants or a third party suffers an accident because of a problem within your property. This accident may leave you liable to pay for compensation, which could be costly. Having the right insurance policy in place means you won’t be the one shouldering the financial burden.
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Property Owners Insurance – Trades We Cover
Compare Quotes- A
- Abrasive Paper, Glass Paper, Sand Paper Manufacturer
- Agricultural Implements Retailing
- Agricultural Merchants’ Warehouses (Grain And Seed)
- Agricultural Merchants’ Warehouses (Machinery)
- Alcohol Distilleries
- All Electronic Equipment Manufacturers (Excluding Semi-Conductors)
- Arts And Crafts Retailing
- Assayers (Gold And Silver)
- Auction Rooms (Not Livestock Or Vehicles)
Typical Property Owners Insurance Covers
Compare QuotesDo I need property owners liability insurance?
If you own a property (or multiple properties) you will need to hold property owners liability insurance, as you will be expected to take all reasonable precautions to maintain a safe environment for your tenants and anyone else on your property. Should anyone be injured on your property because you failed to provide this, you will be liable to pay compensation.
Property owners liability insurance is included in your property owners policy as standard.
What level of property owners cover should I take out?
This is down to you and how much you want to be covered against. A good rule of thumb is to insure for the full rebuild cost of your property at the very least. You may also choose to take out optional covers depending on your needs, such as loss of rent, alternative accommodation, and legal expenses insurance.
How much will property owners insurance cost?
The cost of your property owners insurance depends on various factors, including the total value of your property, the number of tenants you have, and how much cover you’re looking for. Lenders will also study your claims history.
What happens if I don’t have property owners insurance?
If you don’t hold property owners insurance, you run the risk of losing money by footing the bill for any repairs or compensation claims. Property owners insurance will also include property owners liability insurance as standard. This will cover you in the event that your tenants or any third party is injured as a direct result of you failing to maintain your property.
