Property ownership carries real responsibility
Whether you own a single let property or a portfolio of commercial buildings, property owners insurance protects you against the financial risks of ownership — buildings damage, liability claims from tenants and the public, and loss of rental income when things go wrong.
Who We Protect
Residential Property Owners
From single buy-to-let properties to larger portfolios, we provide specialist cover tailored to residential rental properties with protection against tenant disputes and liability claims.
Commercial Property Owners
Office buildings, retail units and warehouses require specialist cover. We arrange buildings insurance, employers' liability and public liability with higher limits for commercial operations.
Mixed-Use & Development
Complex properties with multiple uses need flexible protection. We structure cover for conversions, developments and mixed-use buildings with tailored business interruption provisions.
Our Cover
Buildings Insurance
Full cover for the structure, permanent fixtures and fittings including reinstatement cost insurance and optional accidental damage cover.
Property Owners Liability
Protection against third-party injury claims arising from your ownership of the property. Includes tenant and public liability cover with limits up to £10m.
Loss of Rent
Compensation for lost rental income if your property becomes uninhabitable due to insured damage, helping maintain your cash flow through unforeseen circumstances.
Terrorism Cover
Optional cover for losses caused by terrorist acts, providing peace of mind against events beyond your control with dedicated terrorism limits.
Unoccupied Property
Specialist cover for properties between lettings or during renovations, with adjusted terms reflecting the reduced exposure of vacant buildings.
Engineering & Inspection
Optional boiler and appliance cover with regular inspections, plus structural engineers' surveys to identify and prevent costly damage.
Why Choose Forum
Property Specialists
Over 35 years arranging insurance for property owners. We understand residential and commercial portfolios inside out, and negotiate specialist terms unavailable elsewhere.
Accurate Valuations
Incorrect valuations leave you underinsured. We carry out detailed assessments of your property to ensure reinstatement cost insurance reflects true rebuild costs.
Portfolio Management
Managing multiple properties? We consolidate cover across your portfolio for simplified administration, better pricing and coordinated claims handling.
Claims Advocacy
When it matters most, we represent your interests. Our team liaises with loss adjusters and insurers to ensure claims are settled fairly and without delay.
Frequently Asked Questions
Property owners insurance typically covers:
- Buildings insurance: damage to the structure, permanent fixtures and fittings
- Liability cover: claims from tenants, visitors or the public for injury or property damage
- Loss of rent: compensation for lost rental income if the property is uninhabitable
- Additional optional covers: terrorism, unoccupied property, boiler and appliance cover
Reinstatement cost insurance pays the cost to rebuild your property to its original condition, regardless of market value. This is the standard for property owners as it ensures you can fully restore the building. Market value cover (or agreed value) pays a fixed amount but may leave you underinsured if rebuild costs exceed the property's market value. We recommend reinstatement cost for accurate protection.
Not necessarily. Many insurers allow you to consolidate multiple properties under a single portfolio policy. This can simplify administration, reduce premiums through multi-property discounts, and ensure consistent cover across your portfolio. We arrange the most cost-effective approach for your circumstances.
Terrorism cover is optional but worth considering, particularly for properties in high-risk areas or city centres. Standard buildings insurance excludes terrorism damage. Adding terrorism cover provides peace of mind at modest additional cost and is sometimes required by mortgage lenders for commercial properties.
Standard residential buildings insurance may limit cover during extended void periods (typically more than 30-60 days). We arrange unoccupied property cover for between-tenant periods, renovations, or temporary vacancies to ensure your buildings remain protected without claims rejections.