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What is Property Owners Insurance?

Whether you’re a landlord with a single buy-to-let or manage a growing portfolio of residential or commercial properties, Property Owners Insurance gives you the protection and peace of mind you need. This specialist cover safeguards your buildings, rental income, and liabilities—helping you manage your investments with confidence.

Property Owners Insurance is designed for landlords and property investors. It offers comprehensive protection for buildings you own and let out, covering risks like fire, storm damage, vandalism, and liability claims from tenants or the public.

Whether your property is occupied, vacant, commercial, or residential, we can tailor a policy that suits your setup.

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Who is it for?

We offer cover for a wide range of property types and ownership structures:

  • Single buy-to-let landlords
  • Residential landlords (HMOs, student lets, flats)
  • Commercial landlords (shops, offices, units)
  • Portfolio property owners
  • Leasehold property freeholders
  • Mixed-use buildings (e.g. shop below, flats above)
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What can Property Owners Insurance cover?

Optional extensions for unoccupied properties, terrorism cover, and portfolio-wide policies are available.
Our policies are flexible, so you can build the cover you need:

Buildings Insurance

Covers the structure against fire, flood, theft, storm, and accidental damage.

Landlord Contents Insurance

Covers furniture, fittings, and white goods in furnished lets.

Loss of Rent

Protects your income if the property becomes uninhabitable due to a covered event.

Property Owners Liability

Covers you if a tenant or visitor is injured on your premises and holds you responsible.

Employers’ Liability

Required if you employ staff for property management or maintenance.

Legal Expenses

For disputes with tenants or leaseholders.

Alternative Accommodation

Covers temporary housing costs for tenants if your property is damaged.

Why choose Crowthorne?

  • Decades of experience with landlord and commercial property risks
  • Access to specialist insurers for hard-to-cover properties
  • Fast, straightforward quotes tailored to your property
  • We can cover standard, non-standard, and mixed portfolios
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In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

Step 1
Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

Step 2
Step 3

Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

Step 3
Independent Insurance Broker

Independent Insurance Broker

UK-Based

UK Based Support

Tailored-Quotes

Tailored Quotes

FCA regulated and Trusted

FCA Regulated & Trusted

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.

Testimonials

What Our Clients Say

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“Managing a portfolio is enough work—Crowthorne makes the insurance side simple.”From individual flats to retail units, they helped me bring everything under one easy-to-manage policy. No fuss, great support, and they actually understand the property game. I wouldn’t go anywhere else.
Client
“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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