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Insurance

If it's precious to you, protect it

To safeguard your most valuable possessions, and protect you if the worst should ever happen, then make sure you have the right insurance cover in place.

Regardless of where you are on the property ladder, obtaining accurate insurance advice is essential. Property Hub can recommended our partner services to assist you in navigating any challenges that may arise on your property journey.

For detailed information on the following insurance options, please consider:

  • Building insurance
  • Life insurance (for mortgage purposes)
  • Contents insurance
  • Home care cover
  • Rent guarantee insurance
  • Public liability or indemnity liability insurance
  • Landlord insurance
  • Capital gains tax consultation

Building Insurance

Building insurance shields you from significant financial costs resulting from the loss or damage of physical structures you own. These insurance packages are commonly purchased by homeowners, landlords, and business owners. Building insurance provides protection against total loss due to natural disasters and covers payments for certain damage repairs. For insurance purposes, "building" generally encompasses the actual physical structure, foundations, walls, floors, roof, windows, plumbing, fixed electrical wiring, decoration, and permanent fixtures and fittings.

Certain building insurance packages may also cover fitted kitchen units, fitted bedroom furniture, toilets, and baths. Essentially, any fixture attached to the building is typically considered part of the building's insurance coverage. While the core areas of coverage remain the same, the specific type of building insurance required depends on the construction and intended use of the property.

Landlord Insurance

Landlord insurance safeguards property owners against financial losses associated with rental properties. A typical policy covers the property itself as a minimum, with the option to add coverage for contents. It's important to note that "buy-to-let insurance" is often mistakenly referred to as landlord insurance. However, "buy-to-let insurance" is a specific type of landlord insurance designed for properties purchased with a "buy-to-let" mortgage. Multi-property insurance covers two or more properties.

Landlord insurance is distinct from landlord's emergency cover. Standard perils covered by landlord insurance policies usually include fire, lightning, explosion, earthquake, storm, flood, escape of water/oil, subsidence, theft, and malicious damage. However, insurance policies can vary significantly and may not include all of these items. Optional coverage may encompass accidental damage, malicious damage by tenants, terrorism, legal protection, alternative accommodation costs, contents insurance, rent guarantee insurance, and liability insurance.

Landlord insurance policies typically exclude coverage for personal property belonging to tenants or protecting tenants' interests. Nevertheless, a liability policy that protects landlords or property managers can benefit tenants if they incur a loss for which the landlord is responsible.

Rent Guarantee Insurance

Rent guarantee insurance offers protection in the event that a tenant fails to pay rent. While landlords endeavor to choose the most reliable tenants, unforeseen circumstances can arise. If a tenant falls behind on rental payments, it can have serious financial implications, particularly if you have mortgage commitments on your property.

Contents Insurance

Contents insurance covers damage to or loss of an individual's personal possessions while they are within their home. Some contents insurance policies may also provide limited coverage for personal possessions temporarily taken away from the home by the policyholder.

Excess

Excess refers to the amount you are required to pay in the event of an insurance claim. Your insurance provider will only investigate your claim once you have paid the agreed excess amount. Excess can be "NIL" or any agreed-upon amount, depending on the insurance company and policy you have. Generally, excess is a compulsory upfront payment when submitting a claim related to various events such as overdue rent, home breakdown (including boiler, heating, or fixtures), fire, flood, theft, car accidents, subsidence, and more.

Contact us to arrange a consultation with one of our trusted insurance partners, today.

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Read What Our
Customers Say

"

Since I have given my properties to Property Hub for letting, I have been provided with great customer service and been assisted in a very professional manner. I have achieved with their help, the desired results for my properties. I hope this continues, and their services remain as great as they are. Thank you for all your help till date and in the future. I would definitely recommend others to do business with them!

Mr and Mrs Vanat

"

I have given my house to let in north Wembley to property hub they took care of everything and I'm getting rent on time they so helpful good luck for their success, God may bless them forever..

Mrs Bhuva

"

One of the best agencies to deal with, excellent service, helpful staff and will recommend to friends and family.

Mr A Mithu

"

I cannot believe that Property Hub located in Wembley has rented my south east London property in only two days, plus they have found a desire tenants with expected rental amount what I wanted for my investment property.

Mr S. M. Patel

"

I was having a terrible tenants in my property which I found from internet; I came to know from one of add in news paper about Property Hub and contacted them to help me. They approached very friendly and helped me to get rid of from those terrible tenants via legal proceeding and have introduced new reliable, honest and good tenants for my property...I would say they have done miraculous job for me..

Mr C. Desai

"

I have been renting property from property hub from last 4 years, my landlord is staying abroad and property hub is managing the property, whenever we have any problem Mr Yash has helped us and his team's response is excellent and quick too. Should anyone wanted to experience a best letting service than they must go to property hub. Thanks to Property Hub and their team.

Mr &Mrs Majidi

"

In last summer an open day house has been arranged for my property, it was on SUNDAY (18th August 2013) between 09:30AM to 18:30PM, and on next day afternoon more than 400K price has been achieved by Property Hub for my property. This price was more than what I have initially expected. I would highly recommend every seller to use Property Hub's One Day guarantee deal. Thanks to Property Hub Team.

Mr A. Patel

"

I have given my property for sale to Mr Gupta of Property Hub in end of March 2013, and in 1st week of April 2013 he has achieved desired result.He worked for me like a rocket.

Mr. H. Buckle

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happy with the service of Property Hub, they are always there when you need them

Ms P. Avasthi

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Very happy, property hub always answer the phone and help them for everything and excellent service

Mrs Sangani

"

Very good, no problems, prompt in response and most reliable letting service ever received by us

Mr R. Samudrala

"

everything is good about property hub

Mr J.V. Mehta

"

All good services....

Mr K Ladva

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We have used to let out our properties & to manage our property portfolio to Ms MONA from Property Hub and it has been over 3 years and we have had no problems. Rent is paid on time, they're very easy to contact and prompt with any concerns

Mrs Hirani

"

I'm happy to share my experience, Thanks to the excellent team work of agents Mr Sachin Gupta at Property Hub, which showed excellent market knowledge, good communication and negotiating skills, we were able to rent our property more efficiently. They have always replied and answered our query more promptly. Good Luck to Property Hub team and progress in the business.

Mr H Gaglani

"

we are very happy excellent service....

Mrs Solanki

"

In last summer an open day house has been arranged for my property, it was on SUNDAY (18th August 2013) between 09:30AM to 18:30PM, and on next day afternoon more than 400K price has been achieved by Property Hub for my property. This price was more than what I have initially expected. I would highly recommend every seller to use Property Hub's One Day guarantee deal. Thanks to Property Hub Team.

Mr A. Patel

"

happy with the service of Property Hub, they are always there when you need them

Ms P. Avasthi

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Since I have given my properties to Property Hub for lettings, I have been always treated as a part of company and they have look after my properties like their own and I have promptly received my rents on time with no headache of legalization& health safety issues

Mrs Blake
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