Property insurance

Access our team’s technical expertise and understanding of the commercial property sector to ensure your peace of mind. We help navigate complex products with clarity, securing reliable and comprehensive solutions with confidence.

You’ve made a major investment in your let property and we’re here to help you ensure your asset is appropriately protected. A standard property owner’s insurance policy can have gaps, potentially leaving you exposed to uninsured losses. Our unique residential property owners product includes an extensive scope of cover, offering complete insurance protection to a residential landlord operating in today’s lettings market.

Our landlord’s insurance policy includes:

• Accidental damage to buildings and landlord contents
• Cover for malicious damage and theft by tenants
• Up to 90 days cover whilst the property is vacant
• Loss of rent/alternative accommodation up to 20% of the building sum insured
• 36 months limit of indemnity for loss of rent
• Property owners liability up to £10,000,000 as standard
• Trace and access cover included
• Legal expenses cover automatically included
• Delegated claims authority – claims up to £5,000 can be settled in-house without referral to an insurer

We are experts in arranging market-leading cover for letting agents in Scotland and their clients. From comprehensive insurance for landlords and tenants to robust commercial cover which protects the business, we understand the risks of letting and managing residential properties. With client numbers and referral rates continually growing, we’re consistently the broker of choice in the sector in Scotland.

Key products tailored for letting agents include: 

• Landlord’s insurance
• Block policy arrangements
• Blocks of Flats
• Commercial property
• Professional Indemnity
• Office
• Management Liability
• Business Car Fleet

Please contact our team for a no-obligation quote for letting agent insurance.

A property consisting of two or more apartments or flats is considered as a ‘block’ for insurance purposes. 

If you are a co-proprietor within a block of flats that is insured on a communal basis, either as a legal requirement or on a voluntary basis, you should ensure that comprehensive insurance cover is in place to protect the entire building and communal areas. 

Our specialist approach to this type of insurance gives co-proprietors confidence and reassurance that their assets are fully protected.

With considerable experience in arranging insurance for property factors in Scotland, we understand the importance of using an insurance broker with a thorough knowledge of the sector.

Howden have strong relationships with leading UK Insurers to ensure we provide competitive terms and an invaluable service. Key products tailored for property factors include:

• Block buildings insurance
• Property owners’ liability
• Engineering inspection & insurance
• Landlord’s insurance
• Professional indemnity
• Office insurance
• Management liability
• Business car fleet

Please contact our team for a no-obligation quote for property factors insurance.

Even when a property sits empty, its risks don’t stop. That’s why our property team brings specialist insight and tailored insurance solutions to protect your vacant assets with confidence. 

We understand the unique exposures that come with unoccupied buildings, from vandalism and weather damage to liability concerns and we’re here to help you navigate them with clarity and assurance. With access to specialist markets and expert guidance every step of the way, we ensure your property remains protected, even when no one’s home.