Property Insurance
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ABOUT PROPERTY INSURANCE
What is Property Insurance?
SURANCE
WHY CHOOSE US?
Why Choose Addison Bradley For Your Property Insurance
INSURAN
If you are unsure about the most suitable property insurance policy, our dedicated team is here to help. From start to finish, we will work tirelessly to secure the most competitive offers from our esteemed network of leading insurance providers.
We work with the UK’s major insurers which allows us to provide the best and most cost-effective policy for our clients. Whether you’re a tenant, own a commercial property, you’re a homeowner, own several homes in and outside of the UK, or anything in between, we have you covered.
BENEFITS OF PROPERTY INSURANCE
What are the Benefits of Property Insurance
01
Your property and contents are financially protected against risks
02
Creates peace of mind due to a sense of security
03
Any loss and damages are financially compensated
04
Liability is covered if someone in the property is injured
Property insurance is a necessity, regardless if you’re a homeowner, rent a flat or own a portfolio with multiple buildings. Insuring your property will help protect against theft, and damages from natural disasters.
PROTECT YOUR INVESTMENTS
Understanding the Types of Property Insurance
With so many types of insurance policies, it can be difficult to understand the correct policy to suit your needs. That’s why at Addison Bradley we create and deliver client-tailored insurance solutions that fit your every requirement. We’re industry-leading experts in property insurance and have been providing financial protection for property owners for 30+ years.
Home Insurance
Home Insurance, otherwise known as building insurance, ensures that if...
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if you house or flat is damaged or destroyed the insurance policy will cover the cost of rebuilding or repairing your home. If any natural disasters were to happen such as floods, storms, fires or even burst pipes which damage your home, you can be sure that your property is protected against these types of risks.
Building and Contents Insurance
While a home insurance policy covers damages to your building structure...
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it doesn’t cover your personal belongings if they were to get damaged too. Building and contents insurance will cover damages to the building structure, as well as all personal belongings such as jewellery, electrical equipment, kitchen appliances, computing equipment and more. While you can insure your home and contents separately, most insurance providers offer building and contents so you’re covered under one policy, which is also typically more cost-effective.
Tenants and Renters Insurance
When renting a property, the landlord is responsible for the buildings...
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Landlord Insurance
Landlord insurance, also known as buy-to-let insurance, covers the risks you may...
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Commercial Property Insurance
Commercial property insurance financially covers the cost of...
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damages and repairs for your business premises or replacing your business stock and equipment if they were stolen or damaged by fires, floods, leaks, storms and burst pipes. Whether you own a shop, office, surgery or any other commercial property, you can cover the building, contents and liability with commercial property insurance.
High-Value Home Insurance
High-value home insurance may be required if standard building and...
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contents insurance doesn’t cover your high-value property and possessions. High-value home insurance may be required when you own over £40,000 of possessions such as watches, jewellery, and art, or if your home contains one item worth more than £20,000. If your home was built before 1800, it has more than 7 bedrooms or you own UK secondary homes and holiday homes, you will likely require high-value home insurance.
Unoccupied Property Insurance
If you home is going to be vacant for 30-60 days, you may require unoccupied property insurance. You home is usually empty for this long when..
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you’re in the process of selling property, going on an extended trip, your property is being renovated and repaired or you’re working away from home. Regardless of the reason why your property may be empty, unoccupied property insurance will give you that extra peace of mind when you’re away for an extended period of time.
GET IN TOUCH
Do I Need Property Insurance
While property insurance isn’t a legal requirement, it’s highly recommended that you have an insurance policy in place to protect you if damage or theft occurs. For most people, your property is the most valuable thing you own and it’s likely you won’t be able to afford the repairs if fire, flood or any other natural disaster were to take place. building and contents insurance and commercial property insurance policies also provide compensation for any personal belongings or company possessions such as stock and IT equipment if they were also damaged in an unlikely event.
Trusted Choice
Client Testimonials: What Our Customers Say
See firsthand the experiences of our satisfied clients and learn why they trust us to protect their interests. From seamless service to tailored solutions, find out why Addison Bradley is the name they rely on for peace of mind.
FAQs
Property Insurance Frequently Asked Questions
INSURAN
Is property insurance a legal requirement?
While having property insurance isn’t a legal requirement, it’s strongly advised you have a policy in place. For most people, their home or commercial property is their largest asset, so property insurance provides protection against the unexpected. Most mortgage providers will also make it a requirement that having an insurance policy in place is a part of their lending conditions and agreement.
What's covered by building insurance?
Building insurance will cover the cost of rebuilding and repairs if there was something to happen to your home such as a fire, flood or storm. It will cover things like the building structure, roof, walls, doors, fitted bathrooms and kitchens. Building insurance doesn’t cover possessions such as appliances, electrical equipment, computing equipment and furniture, you will need contents insurance for this.
What factors affect the cost of property insurance in the UK?
The cost of property insurance will vary on several factors. The size, location, value, age, condition and materials your property is built from will all impact your property insurance costs. Your lifestyle such as age, number of children and pets will also contribute towards the cost. Security systems are a great way of reducing insurance premiums due to protection against theft. And lastly, your previous claims history and credit score will impact the cost of your property insurance premiums.
How can Addison Bradley help with my insurance policy?
To help our clients through their insurance journey from assessing their needs to identifying the best combination of value and cover on the market.
How much is property insurance in the UK?
Dependant on a variety of factors including Building and roof construction, Year of build, security, contingency cover and the rebuild cost of the home to name a few.
What type of loss or damages are covered by property insurance?
Building insurance covers the cost of rebuilding or repairing your home if damages occur. Building insurance typically covers loss or damage caused by theft, attempted theft and vandalism. Natural disasters such as fires, floods, storms, explosions and earthquakes. Vehicle or aircraft collisions into your building, frozen and burst pipes that damage your property, and fallen trees, lampposts, aerials, or satellite dishes.
What's Addison Bradley's insurance policy process?
Every client is different and getting to know each client & their requirements is the starting point.
Ensuring everything is clear to the client.
Once the needs and requirements are identified our team excels in identifying the best cover on the market.