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Freeholder Insurance

As an owner of a freehold property, ensuring that your property is fully protected with a freeholder insurance policy is highly important. Generally, when you own a freehold of a property you may encounter higher risks if there are multiple flats within the premises, so protecting your investment with the best policy is essential.

Our expert brokers have years of experience and industry knowledge in dealing with these types of more specialist commercial insurance policies. Naturally, it is this knowledge and experience that enables us to deliver the best brokered policy for our clients.

Here at Crosby Insurance Brokers we work with a range of clients with different size property portfolios, meaning we are able to offer a freehold insurance policy that caters to any landlord or property investor. Whilst there is no limit to portfolio size, there is also no limit to the type of property which we work to insure. You could be the landlord to one flat, home or a number of flats within a building block it doesn’t matter, our brokers can assist in getting the ideal solution in place.

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What does Freeholder Insurance cover?

If you own a property, it’s important to have the right insurance in case anything happens to it. This will protect you from losing money if your property is damaged. Our experts can help you find the best policy for your needs.

Owning a freehold of a property comes with a varied level of risks. It is therefore appropriate that the owner of the property selects the right freeholder policy that will provide adequate compensation for any damages to the property. Our expert brokers can provide a consultation on the ideal cover that will align with your needs.

Freeholder insurance solutions can be arranged for:

We understand that every customer is different, so if you have any other areas of cover within a freeholder insurance policy that you would like to discuss. Then please don’t hesitate to get in touch with us.

We can create custom packages that mean you deal with one broker and create one policy to manage.

Understanding that every customer is different, so if you have any other areas of cover within a freeholder insurance policy that you would like to discuss, please don’t hesitate to get in touch with us. Creating bespoke packages that mean you deal with one broker and create one policy to manage.

Crosby Insurance Block of Flats Insurance
Crosby Insurance - Block of Flats

Who is Freeholder Insurance suitable for?

Freeholder insurance is suitable for owners of properties, most commonly houses that have been converted into flats. Other properties include much larger buildings such as office blocks which have been turned into residential apartments. Or maybe a large house which has been converted to a block of flats.

When it comes to owners who own a leasehold property the responsibility is left to the landlord of the property, which is something to be mindful of when choosing a freeholder policy. If you are the owner of a freehold property, you are within your rights to:

 

Remember, your freehold insurance policy must reflect whichever one is applicable to your situation.

As we have stressed throughout, it is highly important for you to select a freeholder insurance policy that will ensure that you have cover against the majority of damages or risks to your property. Although it is not a legal requirement, opting for this type of insurance cover can relieve you of the financial impact that would be imposed upon you if you did not have the right insurance cover.

From acts of god, such as flood and fires, to damage caused by your tenants the correct insurance solution will adapt to what you need as a landlord. We’re happy to assist however we can throughout and protect your investment as best as possible.

Contact us today and enquire about our insurance services

What is commonly excluded from most freeholder policies?

Our brokers aim to provide our customers with the best freeholder insurance cover, however, these are the most common exclusions that are found within this type of cover:

 

These are the most common exclusions but it is important to remember that each policy will differ. Every provider will have default exclusions, but with our extensive experience, we can direct you to the ideal solution that incorporates the coverage you need.

Is property owner liability cover included in a freeholder insurance policy?

You will come to find that most freeholder insurance policies will contain a property liability cover within the policy. This type of cover is highly recommended for landlords. Generally, a property owner liability cover will range from £2m – £5m. £2m is the most popular option, but what our brokers will recommend will vary based on your requirements.

As we realise that every customer is different, where appropriate we can find you a policy with a higher sum to meet the requirements of the customer. When it comes to a property with a block of flats, the claims could potentially be higher compared to that of a house. This is usually because a block of flats tend to have a higher rebuild value with more tenants coming and going.

Why choose Crosby Insurance for your freeholder cover?

At Crosby Insurance our talented brokers have 30 years of experience within commercial and residential property owners insurance brokering. Our brokers have been trained to the highest of standards which is reflective in our ability at securing the best freeholder insurance policies for our customers.

Crosby Insurance ensures that our broker team come with a wealth of industry knowledge for different types of property and with this knowledge they will be able to find the best policy suited for you. We place a high value on customer service and offer a personalised approach for each of our clients, whilst always offering comparative quotes to ensure that they are getting the best price.

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