Property Insurance
Since 2001 SJL have insured over 50,000 properties.
Property insurance is crucial for safeguarding your valuable investments, whether you’re a homeowner, landlord, or business owner. At SJL Insurance, we specialise in providing comprehensive coverage for residential and commercial properties, tailored to meet your unique needs. From protecting against damage to preserving your finances during unforeseen events, our property insurance solutions ensure peace of mind.
- Award Winning In-House Claims Team
- Lloyds of London Commercial Broker
- Independent Broker Since 2001
WHAT IS THE DIFFERENCE BETWEEN PROPERTY, HOME, AND BUILDINGS INSURANCE?
Firstly, Home insurance is one of the many types of property insurance that you can take out cover for and is designed specifically for homeowners. In addition to property insurance, SJL also offers personal insurance to protect individual homeowners. Home insurance is designed to protect the people living in it. They also provide insurance coverage for a landlord’s personal home.
Secondly, Buildings Insurance is a type of Insurance that covers the physical fabric of a building such as windows, roof and garage.
Lastly, Property Insurance covers a number of specialised insurances including both home insurance and buildings insurance.
If you have a slightly more unique situation such as multiple properties on the same deeds. For example if you work from home or have an annex which is let out to guests, please visit our Speciality Home Insurance
For property including listed buildings, religious buildings or places of interest, please visit our Religious Building Coverage and Church Insurance page.
DO I NEED PROPERTY INSURANCE?
While property insurance is not a legal requirement, it is a top priority for property owners and is often required by lenders, especially when a mortgage is involved. If you are a landlord, it is your responsibility—not your tenants’—to protect your property. The right policy safeguards your assets against fire, theft, water damage, storms, and vandalism.
Landlords should also consider separate home insurance to protect their own residence. We support clients with both national and international property portfolios, offering professional, high-quality guidance.
Because a property is often one of the largest assets a person or business owns, repairs can be extremely costly. Since many types of damage are outside your control, property insurance is strongly recommended to prevent large unexpected expenses and ensure long-term asset protection.
WHAT DOES PROPERTY INSURANCE COVER?
It refers to a number of different policies for covering different aspects of a building. In addition to traditional property insurance, SJL also offers cyber insurance to protect businesses from cyber attacks and data loss. Depending on your building type, requirements and situation, SJL Insurance Services can create a policy that comprises all aspects of the cover you require. Generally, these can include weather-related damage, theft or attempted theft and damage due to vandalism and fire.
HOW MUCH DOES PROPERTY INSURANCE COST?
The cost will depend on the type of property you want to insure, how many and the level of cover you would like. We offer comprehensive insurance solutions for both business and personal clients, ensuring that all your insurance needs are met. We build bespoke policies for your specific requirements.
Enquire today for a free, no obligation quote.
COVERAGE OPTIONS FOR YOUR PROPERTY
Building Insurance
Building insurance provides comprehensive protection for the physical structure of your property. This includes coverage for:
- Damage caused by natural disasters such as storms or floods.
- Accidental damage to the building structure, including walls, roofs, and windows.
- Fire-related disasters that might harm the property.
Building insurance is particularly valuable for homeowners, landlords, and business property owners, helping to repair or rebuild structures efficiently when the unexpected occurs.
Contents Insurance
Contents insurance focuses on safeguarding the items inside your property. Whether it’s furniture, appliances, or personal belongings, you’re covered against:
- Damage or destruction caused by fire or water.
- Theft or attempted theft of your possessions.
- Accidental damage to personal or professional items.
By securing your valuables, contents insurance ensures you don’t have to worry about replacing all your belongings on your own.
Property Owners' Liability Insurance
Being a property owner comes with responsibilities. Liability insurance protects you against:
- Claims made by third parties for accidents or injuries on your property.
- Expenses related to property-related damage caused to others.
- Legal defence costs in liability cases.
This type of insurance is essential for landlords and business property owners who want to mitigate potential legal risks.
HOW SJL INSURANCE CAN HELP
SJL Insurance is a leading independent broker, trusted by property owners since 2001. Our experience working with over 50,000 properties allows us to craft comprehensive insurance plans that cater to your specific needs. Here’s why clients choose us:
- Access to specialised insurance schemes and flexible policies.
- Faster claims processing through our award-winning in-house claims team.
- Ability to secure highly competitive premiums.
- International coverage capabilities for clients worldwide.
HOW TO GET STARTED
At SJL Insurance, we make finding the right coverage for your property easy. Follow these simple steps to secure your insurance:
- Visit our website and fill out a quick form to get a personalised property insurance quote.
- Speak with one of our experienced advisors for tailored policy recommendations.
- Relax knowing your property is protected by comprehensive insurance solutions.
NEED ASSISTANCE? CONTACT US TODAY
Have questions about property insurance? Need help determining the right coverage for your property? Reach out to SJL Insurance today. Our experts are ready to provide you with the necessary information and support. Secure your property and protect your future with SJL Insurance. Take the first step towards peace of mind today.
Property Insurance Frequently Asked Questions
What is property insurance and what does it cover?
Property insurance helps protect residential and commercial properties against risks such as fire, flooding, storm damage, theft, vandalism, and accidental damage. Depending on the policy, cover can include buildings, contents, liability protection, and loss of rental income.
What is the difference between property insurance, home insurance, and buildings insurance?
Property insurance is a broad term that can include home insurance, buildings insurance, landlord insurance, and specialist property cover. Home insurance is designed for homeowners and their belongings, while buildings insurance specifically covers the physical structure of a property, including roofs, walls, windows, and garages.
Do I legally need property insurance in the UK?
Property insurance is not legally required in the UK, but mortgage lenders will often insist on suitable cover before approving finance. For landlords, property insurance is highly recommended to protect against costly repairs, liability claims, and unexpected damage to rental properties.
Who should consider specialist property insurance?
Specialist property insurance is ideal for homeowners, landlords, property investors, businesses, developers, and owners of non-standard properties. It can also support clients with listed buildings, mixed-use properties, unoccupied premises, overseas properties, and large property portfolios.
Does property insurance cover unoccupied properties?
Yes. Specialist unoccupied property insurance is available for vacant homes, commercial premises, probate properties, and development sites. Standard policies may restrict cover after a property has been empty for a certain period, so tailored insurance is important to maintain protection.
What factors affect the cost of property insurance?
The cost of property insurance depends on factors such as the property type, rebuild value, location, occupancy status, security measures, claims history, and level of cover required. Bespoke insurance policies help ensure clients receive protection suited to their specific circumstances.
Can property insurance include contents cover?
Yes. Many property insurance policies can include contents insurance to protect furniture, appliances, equipment, stock, and personal belongings against risks such as theft, accidental damage, and fire. Policies can often be tailored to include high-value or specialist items.
What is landlord property insurance?
Landlord property insurance is designed to protect rental properties and property owners against risks including building damage, liability claims, loss of rent, and tenant-related incidents. It offers tailored cover for buy-to-let properties, blocks of flats, and larger property portfolios.
Why is tailored property insurance important?
Every property carries different risks depending on its use, location, construction, and occupancy. Tailored property insurance helps ensure you only pay for the cover you need while protecting against gaps in standard policies that may leave you financially exposed.
How do I choose the right property insurance broker?
When choosing a property insurance broker, look for experience, access to specialist insurers, tailored policy options, strong claims support, and knowledge of complex property risks. Working with an independent broker can help you secure suitable cover at competitive premiums while receiving expert guidance throughout the process.
and have peace of mind knowing that you're protected.
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