Residential property is a significant investment, and having the right insurance in place is essential to protect its value and income potential. Thornhill Insurance arranges residential property insurance for landlords who want peace of mind that their property is protected should the unexpected occur.
Our residential property policies can be arranged for a wide range of situations, including standard residential lets, student accommodation, blocks of flat and houses of multiple occupancy. By offering advice and flexible quote options alongside tailored advice, we help ensure landlords have cover that accurately reflects how their property is occupied and managed.
With over 35 years of experience in the insurance industry, Thornhill Insurance has built strong relationships with leading insurers. This allows us to source residential property insurance that is both comprehensive and competitively priced, even where cover may be difficult to place.
We never compromise on cover
Our packages can be built around the following:
Frequently Asked Questions About Residential Property Insurance
What is residential property insurance?
Residential property insurance is designed to protect landlord owned residential buildings against risks such as fire, flood, storm and malicious damage.
Who needs residential property insurance?
This insurance is suitable for landlords who own residential properties that are let to tenants.
Is property owners’ liability included?
Yes. Property owners’ liability insurance can be included, with cover available up to £5 million.
Do I need employers’ liability insurance?
If you employ staff such as caretakers or maintenance workers, employers’ liability insurance may be required and can be included with cover up to £10 million.
What additional covers can be added?
Policies can include loss of rent, alternative accommodation, landlord contents, glass cover and legal expenses.
Can loss of rent be insured?
Yes. Loss of rent cover can be included to protect income if the property becomes uninhabitable following an insured event.
Is cover available for higher risk tenants?
Yes. Cover can be sourced for a wide range of tenant types, including those some insurers consider higher risk.
Can the policy be tailored to my property?
Yes. Every policy can be tailored to reflect your property type, occupancy and level of risk.
Flexible Insurance for Residential Landlords
Residential landlords face varying risks depending on tenant type, occupancy and property condition. Thornhill Insurance works with specialist insurers to arrange residential property insurance that provides appropriate protection without unnecessary restrictions.
Our independent approach ensures your policy is tailored to your property rather than a generic template. Regular reviews help keep cover aligned with changes to tenancy or property use.
With expert advice and claims support available when needed, your residential property insurance remains reliable and effective.
Our Office
Address: 334 Huddersfield Road, Mirfield, WF14 9DQ
Email: info@thornhillinsurance.co.uk
Phone: +44 (0)1924 499182
Freephone: 0800 8818841
Fax: +44 (0)1924 480106