Table of content
- Tailored UK cover for every type of home, landlord, and property investor
- House Insurance (Owner-Occupied)
- Non-Standard Home Insurance
- Property Owners Insurance
- Holiday Home & Second Home Insurance
- Unoccupied Property Insurance
- Subsidence Insurance
- High Net Worth Home Insurance
- Why Choose Crowthorne for Property Insurance?
Tailored UK cover for every type of home, landlord, and property investor
At Crowthorne Insurance Services, we specialise in a wide range of property insurance solutions for residential homeowners, landlords, buy-to-let investors, and those with complex or high-value homes. Whether your property is owner-occupied, let to tenants, unoccupied, or non-standard in construction, we help you find comprehensive, competitive cover—fast.
Explore our full range of property insurance services below to find the right policy for your property.
House Insurance (Owner-Occupied)
Flexible home buildings and contents cover for standard residential homes
Our standard house insurance policies are designed to cover the physical structure of your home (buildings insurance) as well as your personal belongings and furnishings (contents insurance). Ideal for UK homeowners living in a property they own and occupy.
Key features:
Buildings insurance for fire, flood, storm, escape of water, and structural damage
Contents insurance for theft, accidental damage, and loss
Add-ons for home emergency, legal expenses, and accidental damage
Tailored premiums based on postcode, rebuild cost, and property size
This type of policy is ideal for:
Mortgage holders or outright homeowners
Detached, semi-detached, terraced or flats
Homes of standard brick, slate, or tile construction
Non-Standard Home Insurance
Specialist insurance for unusual, heritage, or complex homes
A “non-standard” property is any home that falls outside of standard construction or usage. We arrange cover for hard-to-place homes including those with:
Thatched roofs, flat roofs, or timber frames
Listed buildings or properties in conservation areas
Converted barns, chapels, windmills, or outbuildings
Homes under renovation or with past insurance claims
Steel-framed or concrete construction properties
We also insure homes that are:
Left unoccupied for over 30 days
Used as second homes or holiday homes
Let to tenants, students, or DSS recipients
Non-standard home insurance includes both buildings and contents cover and can be customised for liability, unoccupancy, and increased rebuild costs.
Property Owners Insurance
Tailored landlord insurance for buy-to-let and commercial property owners
Designed for residential and commercial landlords, our Property Owners Insurance provides protection for:
Buy-to-let properties
Blocks of flats (freeholder cover)
Commercial premises (shops, offices, mixed-use buildings)
Multi-property portfolios
Key cover options:
Buildings insurance for accidental and malicious damage
Loss of rent or alternative accommodation cover
Landlord contents insurance (for furnished lets)
Property owners’ liability insurance (injury to third parties)
Employers’ liability (for caretakers or staff)
Perfect for:
Private landlords
Managing agents
Property investors with multiple units
Holiday Home & Second Home Insurance
Specialist insurance for properties used seasonally or for short-term letting
Our holiday home insurance and second home insurance products are designed to protect homes that are not your primary residence, whether they are let short-term (e.g., Airbnb or Vrbo) or used personally.
We cover:
- Properties left unoccupied for extended periods
- Short-term letting to holiday guests or friends/family
- UK-based second homes, both inland and coastal
- Buildings and contents insurance
- Public liability cover for paying guests
- Optional loss of rental income protection
This cover is essential as standard home insurance often excludes short-term lettings or long unoccupancy.
Unoccupied Property Insurance
Insurance for vacant properties during sale, probate, renovation, or between tenants
If your property is empty for more than 30 consecutive days, your standard home insurance may be invalid. Our unoccupied property insurance is ideal for:
- Properties on the market for sale
- Homes in probate or awaiting occupancy
- Buildings undergoing renovation
- Rental properties between tenants
We offer:
- Short-term cover (3, 6 or 12 months)
- Flexible policies for minimal or full cover
- Protection against fire, flood, storm, theft, and vandalism
- Liability insurance for injury to third parties
Choose from FLEA cover (Fire, Lightning, Explosion, Aircraft) or full perils.
Subsidence Insurance
Insurance for properties with subsidence history or structural movement
Standard insurers often decline homes with past or current signs of subsidence, heave, or settlement. We provide cover for:
- Properties with previous underpinning or structural repairs
- Homes in clay soil areas or near trees
- Properties with cracks or signs of movement
- Claims history due to subsidence, landslip or heave
Our specialist underwriters consider individual cases and can provide:
- Full buildings insurance including subsidence cover
- Continuation of cover for properties already repaired
- Support with surveys and structural reports
High Net Worth Home Insurance
Premium protection for high-value homes, contents, and collections
Our High Net Worth (HNW) home insurance policies are designed for clients with:
- Homes valued above £750,000
- Contents over £100,000, including fine art and jewellery
- Multiple properties, including second homes and overseas assets
- Luxury vehicles, high-end electronics, and wine or watch collections
Features include:
- Worldwide all-risk contents cover
- Specialist valuation services
- Cyber cover, identity theft, and travel insurance options
- Enhanced limits for valuables and collections
This policy is tailored to your lifestyle, not just your postcode.
Why Choose Crowthorne for Property Insurance?
Specialist Expertise
We insure the homes and risks most brokers won’t touch
Whole-of-Market Access
We work with top UK insurers and specialist underwriters
Tailored Policies
Built around your needs, not generic assumptions
Portfolio Management
Consolidate multiple properties under one policy
Fast, Human Service
Speak to a dedicated advisor, not a call centre
We’ve been protecting property owners, landlords, and families across the UK for decades. Whether you’re looking for simple cover or complex risk management, we’re here to help.
