Property Owners

Whether you are a private landlord with a single property to let, or a professional investor with an extensive portfolio, RMCI can look after your insurance needs.

There are various covers to consider as an owner of a property which is rented out.

You will need to protect against:

• property against material damage suffering losses such as fire, flood and storm.
• your rental income
• legal liabilities

A typical Property Owner Owners Combined policy includes:

• Property Insurance - buildings, stock and contents against loss or damage as a result of fire, theft, or a range of other perils.
• Property Owners Liability - legal liability to pay compensation for bodily injury, illness or disease, other than to employees, for loss of or damage to third party property arising from ownership of buildings.
• Loss of Rent - loss of rent caused by an insured peril eg. Fire.
• Employers Liability -  protects companies against damages and legal costs that arise as a result of claims from employees suffering an injury or disease due to and during their employment.  Employers Liability cover is a requirement under UK Law and companies failing to comply with government regulation are at risk of a fine.

Various packages are available along with extra covers such as cover for replacement locks and legal protection.

If you need to discuss your Property Owners insurance requirements then please email enquiries@rmci.co.uk or contact us on 0870 7574 870.