Appetite guide/Property Owners
Broker appetite guideProperty Owners
For landlords and owners of residential, commercial and mixed-use property — one property or a whole portfolio on one schedule.
Last reviewed 23/10/2026
Who it’s for
Residential LandlordsBlocks of FlatsHouses in Multiple OccupationStudent LetsHoliday LetsOffices and SurgeriesShops and Retail UnitsWarehouses and Storage UnitsDomestic GaragesMixed-Use Property
Headline limits
Properties on one policyUp to 100
Any one propertyUp to £3,000,000 — buildings, contents and included loss of rent combined
What we’re happy to write
- Houses, bungalows, converted and purpose-built flats, and whole blocks of flats
- Student accommodation, houses in multiple occupation and holiday lets
- Offices and surgeries, retail units, warehouses and storage units, and domestic garages
- Mixed-use buildings, such as a shop with flats above — each part is judged on its own answers
- Tenants who are working professionals, retired, students, HMO tenants, holiday guests, or DSS tenants with a direct agreement with the landlord
- Unoccupied residential property
- Flat felt roofs, including where the whole roof is flat felt — flat-roof terms apply
What we can’t write
- ✕Risks in Northern Ireland (BT postcodes)
- ✕Buildings built before 1750
- ✕Grade I or Grade II* listed buildings (and the Scottish and Northern Irish equivalents) where buildings are insured
- ✕Grade II listed buildings (or the Scottish and Northern Irish equivalents) with a buildings value over £1,000,000
- ✕Thatched roofs and living (green) roofs
- ✕Property let to Housing Association tenants, to asylum seekers, or to DSS tenants placed by the council with no direct agreement with the landlord
- ✕Commercial units let to tenants such as Aerosol Manufacture, Amusement Arcades, Battery Manufacture, Candle Manufacture, Day Nurseries, Farms and Farm Buildings, Garden Centres, Gun Dealers, Pawnbrokers, Sawmills and Woodworkers, Scout and Guide Premises or Second-Hand Dealers
Needs an underwriter to review
- !Some risks need an underwriter to look at them before terms are released — the portal tells you straight away when that happens.
Have this information ready
- •The full address and postcode of every property, its property type and the tenant type(s)
- •The buildings rebuild value for each property, and any landlord’s contents
- •Year built, wall and roof construction, and listed status for each property
- •For unoccupied property: how long it has been empty, its former use, any planned works and the security in place
- •If the landlord employs anyone, say so — employers’ liability can be added, which can limit the options available
- •Larger portfolios can be loaded from a schedule — up to 100 properties
- •Claims for the last 5 years with the date, type and amount of each claim
This guide is a summary of our appetite and is not a statement of policy terms. Every risk is subject to underwriting and the policy wording.