Property Owners Insurance

Property Owners Insurance

Do you know the dividing line between your liabilities and those of your tenant or leaseholder?

Do you know how to avoid underinsurance?

Do you know about the different types of Management Liability insurance and what is suitable for you?

Do you know how to insure for loss of profits / loss of rent?

Do you know which security measures are useful and which are not?

Do you know what actions you should take to reduce the impact of policy conditions?

Do you know the differences in types of cover against malicious damage?

Do you know how to insure effectively against damage caused to your property by it being turned into a Cannabis factory?

Do you know how to calculate an accurate rebuild cost?

Do you know how much Alternative Accommodation cover is necessary?

Do you know what simple risk management steps you can take to avoid having to make a claim?

Do you know the types of tenant can affect the insurance?

Do you know what Property Owners Liability covers you for?

Do you know what features to look for in a suitable policy?

Do you know about the different types of Terrorism Insurance?

If your answer to any of these questions is “No” then please call us for a chat
about Property Owners Insurance.


Property Owners Insurance, is a crucial financial safeguard for owners commercial or residential properties. Sometimes referred to as landlord insurance, or freehold insurance it protects owners regardless of whether they are companies, right-to-manage companies, leaseholders or individual landlords.

This type of insurance provides comprehensive coverage to protect property owners from a wide range of potential risks and liabilities. Property Owners Insurance is designed to offer peace of mind by covering property damage, loss of rental income, and legal liabilities and expenses.

The material damage cover under Property Owners Insurance provides indemnity (compensation) following damage or loss to the physical structure of the property. This damage can be caused by a range of perils, such as fire, vandalism, storm, escape of water, flood, subsidence and acts of terrorism. The cover ensures that property owners can recover the costs of repairs or rebuilding.

One of the key features of Property Owners Insurance is its provision for loss of rental income. In the event that a property becomes uninhabitable due to an insured event, this coverage compensates Property Owners for the rental income they would have otherwise earned while the property is unusable.

Additionally, if Property Owners want to keep their tenant or if a leaseholder wants to keep their property, policies can be designed with the option for insurers to pay for the temporary rehousing of tenants or leaseholders in Alternative Accommodation.

Property Owners Insurance protects landlords from legal liabilities. If a tenant or visitor suffers an injury on the property and holds the property owner responsible, this insurance can cover legal fees and potential settlements. It also provides liability protection against other unforeseen events.

In conclusion, Property Owners Insurance is a vital financial tool for those who own rental properties. It offers protection against property damage, loss of rental income, and legal liabilities. By investing in Property Owners Insurance, property owners can minimise financial risks, ensure the longevity and success of their real estate investments and keep their tenants happy.

Our Benefits

Why our clients choose Samson Insurance

Our expertise and business relationships make us your best partner for your insurance requirements.



You can rely on us to arrange your insurances, leaving you to focus on what matters to you.



We use our Loss Assessing experience to advise you on the most suitable policy, and to help you understand and navigate the insurance claims process.



Our tailor-made advice safeguards you against the worst that could happen.

We place cover with
geo/ Insurance
Covea Insurance
RSA Insurance
Pen Underwriting Insurance
SunWorld Insurance
Zurich Insurance
Tokio Marine HCC
Lloyds Insurance
Hiscox Insurance
Arch Insurance
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iprism Underwriting
Camberford Underwriting
Ageas Insurance
NBS Underwriting Insurance
BRIT Insurance
Legal General Insurance
MIDAS Insurance
AllClear Travel Insurance
AVIVA Insurance
British Engineering Services
Munich RE

Our Reviews

What our clients say about us
Review Quotes
For several years we have been introducing our clients to Sam and his team in particular for property insurance. Their experience as claim advocates through their loss assessing practice really helps when they arrange our clients’ insurances and we know that our clients will be well advised.
Gillian White, White & Co Solicitors
Review Quotes
Samson Insurance provides us with excellent value cover on our let property. We feel confident that they understand our needs and what to look for in the insurance market and would be happy to recommend them.
JS, YMB Estates
Review Quotes
We have been insuring with Samson for many years, first with Henry and now with Sam. We really value your understanding of claims which complements your sourcing of cover for us. When we have had to claim you have handled these very well and we have no hesitation in recommending you to others.
Jacob Ting, Co. Chartered Accountants
Review Quotes
Samson has organised our home insurance and now our let property insurance for several years. They are knowledgeable and give great service and we have no hesitation in recommending them to others. 
David Cooper
Review Quotes
You’ve been insuring my property for over 30 years during which we’ve had a few claims which you have handled superbly for us. Your expertise has always been invaluable and I wouldn’t hesitate to recommend you to people looking for honest advice, good quality cover and competitively priced premiums.
Mr. M. Reich, London

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You can contact our expert brokers for a personalised insurance quote using the details below or alternatively fill in the form and arrange a time for us to call you.

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