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Property Owners Insurance 2017-03-22T14:20:43+00:00

Property Owners Insurance

Due to our years of experience we are able to assist with Buy to let, Landlords contents & Tenants contents along with temporary or long term unoccupied properties , Using our large panel of insurers we pride ourselves on offering quality products at competitive premiums, as an example we can offer landlords contents policies including Property Owners Liability with premiums starting at just £58 per year.

  • We can provide quotations for Commercial Property Owners  or Residential Property Owners insurance policies designed to cover any size property from a single flat to tower blocks or industrial units no matter how high risk or poor the claims experience is. Our policies can also include increased property owners liability, drug cultivation, malicious damage by tenant and loss of rent cover following an insurable peril.
  • In addition to this we are also able to offer Terrorism, Home Emergency and cover in the event your referenced tenant does not pay his Rent including Legal expenses cover extensions as an extra to your policy or in isolation should your property insurance policy not be due immediately. Should your tenants require Tenants Contents Insurance we also offer online competitive premiums to cover items they bring into your property.
  • Here at Alfa Insurance We know that being a landlord can be stressful without the need of complicating matters by having to obtain multiple landlords insurance quotations so we have added our quick and simple landlord insurance online quote feature offering competitive premiums from multiple insurers within minutes. Although we can cover most tenancy types online including HMO, Bedsits, Students and DSS we do suggest calling us in the office to discuss your individual needs particularly if you have asylum seeker tenants so that we can offer the best insurance premiums possible.

 

Should you have a portfolio of properties to insure or would prefer to email a member of our staff directly please feel free to send any questions to
luke.robson@aifltd.co.uk or richard.holmes@aifltd.co.uk

Quote Online
We offer fast online Quotations with the option to add extra covers at reduced prices!
Quote Online

We have searched the market so that you don’t have to and found the following beneficial extras at discounted premiums

Following the aftermath of the atrocities in the United States of America on 11th September 2001, insurers and market bodies such as the Association of British Insurers (ABI) and the British Insurance Brokers Association (BIBA), had been in discussion with the UK Government regarding the future of terrorism insurance cover for businesses in the UK. In consequence all insurers have introduced new war and terrorism exclusions to their policy wordings for new and existing policies. Previously the Government backed terrorism facility (Pool Re) provided terrorism cover for individual policyholders over and above the heads of cover provided by the underlying commercial property covers up to the total sum insured or limit of liability

We can arrange Terrorism cover in respect of a Household risk to a Rock concert whether in the UK, Europe or Worldwide. This is a specific product which runs in conjunction with your existing policy and can be custom made to suit your requirements.

Some Insurers have excluded all Terrorism cover for Household / Residential policies and AIFlTD have access to a specific scheme for Residential Domestic Properties whether owner occupied or let to Professionals, Students, Income Support tenants or Local Authority Sponsored. Alfa Insurance can offer a tailored made policy covering the Buildings and Contents etc or just the buildings on its own. Premiums in the UK start at £40.00 for Domestic premises and £60.00 for Commercial premises excluding Insurance Premium Tax.

Although all insurers offer Terrorism as additional cover. It is not included in the primary policy. We can offer cover at competitive premiums. In respect of the larger risk we can offer 1st Loss cover or if there is restricted funds then a limited form of cover in accordance with the budget. So whether its a small shop or a property portfolio we hope to be able to help.

All our policies are administered by Beech Underwriting and underwritten 100% by certain underwriters at Lloyds.

IF YOUR PROPERTY HAS A MORTGAGE OR THE PROPERTY IS BEING USED AS SECURITY FOR LOANS AGAINST THE VALUE OF THE PROPERTY YOU COULD BE IN BREACH OF THE MORTGAGE OR LOAN AGREEMENT IF YOU DO NOT HAVE TERRORISM COVER.

 Legal Expenses Insurance

This is a comprehensive Legal Expenses product that will cover the landlord’s costs of any disputes between themselves and their tenant(s). This is a 12 month policy and costs just £42.40 per annum.

The last thing any landlord needs is to find an emergency plumber when their tenant has contacted them when the worst has happened.

Alfa Insurance can offer comprehensive cover for owners of let properties in the event of an emergency by using a nationwide network of qualified professionals to deal with a whole host of situations.

We can currently offer cover at £69 per property per year, here are just a few more benefits to choosing ALPS Landlord Home Emergency:

  • Plumbing & Drainage
    Cover for blocked drains and toilets or damage to internal drainage systems which could lead to internal flooding or water damage
  • Loss of Utilities
    Assistance in the event of an internal failure of the gas, electricity or water supply to the property
  • Lost Keys
    A qualified locksmith will be deployed in the event of the loss of the only available key to enable access to the property
  • Central Heating
    Assistance in the event of a failure or complete breakdown of the primary heating system in the property
  • Pest Infestation
    Removal of pests including: wasps, hornets, house mice, field mice, rats or cockroaches
  • Generous Claim Limits,
    £500 Claim limit with a maximum of £1000 during the policy period

There are 6 types of legal expenses products available in this category, 4 of which offer rent guarantee insurance, as follows:

Legal Expenses Insurance

This is a comprehensive Legal Expenses product that will cover the landlord’s costs of any disputes between themselves and their tenant(s). This is a 12 month policy and costs just £42.40 per annum.

Legal Expenses & Rent Guarantee (6 Months)

Comprehensive Legal Expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenant(s), with rent guarantee insurance up to a maximum of £2,500 per month. This is a 6 month policy and costs just £54.95.

Legal Expenses & Rent Guarantee (12 Months)

Comprehensive Legal expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenants, with rent guarantee insurance up to a maximum of £2,500 per month. This is a 12 month policy and costs just £99.95 per annum.

Legal Expenses & Rent Guarantee – No Excess (6 Months)

Comprehensive Legal Expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenant(s), with rent guarantee insurance up to a maximum of £2,500 per month. This is a 6 month policy which carries no excess and costs just £69.95.

Legal Expenses & Rent Guarantee – No Excess (12 Months)

Comprehensive Legal expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenants, with rent guarantee insurance up to a maximum of £2,500 per month. This is a 12 month policy which carries no excess and costs just £129.99 per annum.

Legal Expenses – Property Disputes  – No Excess (12 Months)

A legal Expenses insurance product that also includes land and property disputes cover. This policy will pay for the costs of disputes the property owner may face which relate to: advisor’s costs for evicting trespassers; property boundary issues; defence of prosecution relating to the insured property for Gas and Safety, Furniture and Furnishings and Electrical Equipment Regulations and Identity Fraud. The policy is available for 12 months and costs £15.00 and is available as part of the Buildings Insurance; quote & buy online

Quote Online

Quote Online

We offer fast online Quotations with the option to add extra covers at reduced prices!
Quote Online

Why Choose Us

      • Personal Service
      • Option to Add Day One Uplift
      • Option to Add Terrorism Cover
      • Dedicated Claims Handler
      • Wide variety of cover Limits

What Client’s Say

Thank you for your help, I never need to look elsewhere as I know you always look after my interests 
Mike
This is a SUPERB deal…quality and price, THANK YOU EVER SO MUCH! Very very much appreciated..
Dav, Imperial Claims & Lettings
I would like to extend a special thank you for your excellent support. Is has been a great experience.
Sarah
Thank You for the speedy reply and delivery of our documentation!
David
Its very refreshing to be able to ring and speak to the same person each time.
isaed, Isaed Plumbing