Whether you own a single rental property, a commercial premises, or a diverse property portfolio, protecting your investment requires specialist insurance. At Saepio Insurance Brokers, we provide tailored Property Owners Insurance for residential, commercial, and specialist properties, helping landlords, developers, and investors protect their buildings, rental income, and long-term investments.
Whether you own a single buy-to-let apartment, a block of flats, a commercial retail unit, or a complex real estate portfolio, managing property risks requires tailored, professional protection.
Our Property Owners Insurance provides robust, flexible coverage. Designed specifically for commercial and residential landlords, developers, and investors, we protect your physical assets, rental income, and legal liabilities across every stage of ownership.
What We Cover
We offer flexible, comprehensive policies tailored to your exact property portfolio, covering both physical damage from major perils (fire, flood, storm, burst pipes, subsidence, and malicious damage) and ongoing financial risks.
✓ Occupied Residential & Commercial Properties
Tailored protection for let properties, ensuring your investment remains profitable and fully protected against tenant risks and structural damage.
✓ Unoccupied Properties
As vacant properties carry significantly higher risks we offer tailored options ranging from basic FLEEA cover (Fire, Lightning, Explosion, Earthquake, Aircraft) to full comprehensive protection.
✓ Properties Under Renovation
Standard property insurance often becomes void when structural changes or extensive refurbishment begins. We provide seamless cover while work is underway.
✓ Specialist Properties
InsurUnique, complex, or high-risk buildings require bespoke underwriting. We provide tailored solutions for non-standard property types, including.
Listed Buildings (Grade I, II, II): Specialist cover reflecting true reinstatement and specialist artisan repair costs.
Blocks of Flats & HMOs: Comprehensive single-policy solutions for multi-tenancy residential blocks and Houses in Multiple Occupation.
Unique Occupancies: Specialist cover no matter how unique the occupancy type is.
✓ Latent Defects Insurance
Protect your financial interest against inherent structural flaws. Essential for new builds, major conversions, and commercial developments.
10 or 12 Year Structural Coverage: Protects against major structural damage caused by defects in design, workmanship, or materials.
Mechanical & Electrical: Protection for mechanical and electrical services installed in your newly built or refurbished property.
✓ Legal & Rent Protection
Protect your cash flow and cover costly legal fees when tenancy issues arise.
Rent Arrears Guarantee: Pays your monthly rental income if a tenant fails to pay their rent.
Eviction & Mediation Costs: Covers legal expenses associated with repossessing your property from defaulting tenants or squatters.
Property Protection Legal Advice: Covers legal costs for eviction, lease disputes, contract breaches, and squatting issues.