This protection can help cover repairs for damage done to walls and roofs, as well as replace lost or stolen items like furniture and appliances. Additionally, it can provide compensation for medical expenses should a person get injured while on the premises.

The scope of coverage varies depending on the policyholder’s needs and budget. The most common type of Residential Property Owner Insurance includes coverage for both personal liability and property damage. Some policies may include additional add-on options such as flood insurance or replacement costs which can help provide additional protection in case of extreme weather events where damages exceed the standard limits covered by the policy. Other riders may be added which offer extra protection for personal possessions or any other structure with monetary value that is located on the premises such as a detached garage or shed.

In addition to providing financial security against liabilities and damages resulting from unexpected incidents, Residential Property Owner Insurance can also help lower insurance premiums since many insurers offer discounts for having adequate amounts of coverage in place. Therefore it is important to review current policies regularly to make sure they are up to date with today’s changing environment so homeowners remain adequately protected at all times.

Whether you own a single property or have a manage a property portfolio, we can cover them all under one policy, making your job that much easier. We offer cover for properties which have both commercial and residential spaces within, such as a shop on the ground floor with flat/s above it.