Download policy wordings

Download our Property Owners insurance policy wordings and policy summaries (including Key Facts) below.

allianz logo

Alianz Real Estate Select Policy Wording 

Alianz Real Estate Select Policy Summary 

Alianz Real Estate Select - Notification of changes

Arch Insurance logo

Arch Property Owners Policy Wording

Arch Property Owners Policy Summary

Arista Property Owners Notice to Policyholders

 

Aviva horizontal logo

Aviva Property Owners Policy Wording

Aviva Property Owners Policy Summary

Aviva Important Info CHC

Hiscox logo

Hiscox Property Owners Policy Wording

Hiscox Property Owners Policy Summary

Hiscox Schedule of Limits

portus logo

Portus Underwriting Property Owner Policy Wording

Portus Underwriting Property Owner Policy Summary

Portus Essentials Property Owner Policy Wording

Portus Essentials Property Owner Policy Summary

​Notice to Policyholder

About Portus Underwriting

zurich logo

Zurich Real Estate Insurance Policy Wording

Zurich Real Estate Insurance Policy Summary

Zurich Approach to the Insurance Act    

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Latest news and articles

Graphic depicting the self assessment tax article
Our latest topical article helping landlords navigate the market More information
6 reasons why property insurance premiums are rising
We explore what is going on... More information
Meet the Team | Claire Harris
Another Meet the Team, this time featuring our Commercial Director, Claire Harris More information
Meet the Team | Karen Wilson
Get to know our Business Development Executive Karen Wilson. More information
buy to lets
Landlords are facing pressure from tenants and the government to make their properties energy efficient. Our latest blog discusses the implications of an Energy Performance Certificates and how methods such as Smart meters can keep concerned tenants from More information
Residential House
The winter season is set to be harsh this year meaning we could be in for another bitter winter. Stride has come up with some top tips to protect your property from winter conditions. Make sure you are doing all you can to minimise the chances of damage. More information
buy to let
The property market has thrown up some surprises to us all with a pandemic thrown in the mix, thankfully, there is a way to protect your rental income and ensure that you, as a landlord, can maintain a level of financial security. More information
Staycation
As thousands of people look to explore Britain this summer, it could be a good time for those with a second home to turn their property into a holiday let... More information
Property Owner
‘Escape of Water’ is a common issue for Property Owners, so here are are some steps to avoid any ‘Escape of Water’ and deal with it if there is a leak. More information
What is the new six-month rule for evictions?
The Government has now announced further measures aimed at protecting tenants during the pandemic. So how will they affect you as a landlord, and your property rental business? More information
stamp duty
Coronavirus has prompted the government to introduce a raft of new measures designed to support individuals, businesses and the wider economy both during and after the pandemic. More information
landlord market
The property market, residential rents and tenant demand have proved to be resilient in previous economic slumps. So, what effect will lockdown and the current downturn have on the UK’s rental market? More information
Landlord maintenance
The Coronavirus pandemic has forced businesses across the country to adjust their working practices in order to meet the guidelines in place. As a landlord, you may be wondering about the implications the restrictions have when it comes to certain duties More information
coronavirus landlords
This is an uncertain time, and rules and regulations are constantly changing and being introduced since the coronavirus outbreak began. One of the best ways, as a landlord or agent, that you can protect yourselves and your tenants is to keep up to date wi More information
covid19
There are around five million people across the UK who are self-employed or work on a freelance basis, and many will be relieved to hear that financial support is being offered to help those impacted by coronavirus. Last week the Government announced that More information
landlord
The Covid-19 crisis has prompted the Government to introduce emergency legislation suspending evictions, issue guidance about rent and mortgage payments, and provide financial support for those affected by the lockdown. More information
deposits
The Government has announced plans for a package of measures including a system of “lifetime deposits”, which should make it easier for tenants to move between one property and the next. More information
What does a typical landlord look like?
If you’re a private landlord with a portfolio made up of a number of properties, you might have wondered in the past whether you fit the classic landlord profile? Or do your circumstances mean that you’re bucking the national trend? More information
students
Recent years have seen an uptick in investor interest in houses of multiple occupation (HMOs), such as the student housing sector. Where investment goes regulation is sure to follow: this October will see significant changes including a new definition of More information
energy
Energy performance certificates (EPCs) – you know what they are, and you know you need them for your buy-to-let properties. But are you fully up to speed with your obligations as a landlord, as well as with recent updates to minimum energy efficiency stan More information
advice for working at home
Landlords can face a range of issues relating to their let property, and also to their tenants. Mostly these will be day-to-day, small problems (managing access, keys, services, etc), and it is your responsibility to deal with these. More information
mould on walls
Damp and mould is a serious health hazard and can make tenants justifiably unhappy with their living conditions, but there is much landlords can do to prevent this becoming a major problem. More information
flood
It's something all landlords dread, with good cause: a call from a tenant in the middle of the night saying emergency assistance is needed. More information
coins
What happens if the rent suddenly stops coming in? There are countless reasons why this might happen. Rent guarantee insurance provides you with peace of mind that you are protected against periods without income. Most policies offer protection of up to £ More information
un-furnished house
To furnish or not to furnish? That is the question facing many landlords. The decision is a multi-faceted one, with many things to consider: the target tenant profile, health and safety, affordability and insurance cover. More information
slip injury
How to avoid personal injury fraud: when a slip could lead to a trip to prison for landlords. Would your insurer stand up to the test of a personal injury claim? Why not speak to Stride Direct about your options? More information
stamp duty
Rents are rising, but below the rate of inflation. According to figures cited by the BBC, inflation grew from 2.3% in March to 2.7% in April – the highest rate recorded since September 2013 and above the Bank of England’s 2% target. More information
inspection
Inspections of buy-to-let property can feel intrusive unless handled sensitively. While it's reasonable for you to want to check on your property, it is also reasonable for tenants to want some privacy and respect.High quality insurance is a vital protect More information
shared houses
Many landlords and investors are converting their properties into houses in multiple occupation (HMOs) as a way of generating higher rates of return.Don’t forget – you’ll need to acquire quality landlord insurance for your HMO property. Get in touch with More information
brexit UK
Foreign investors are being blamed for making it increasingly challenging for young people to get on the property ladder. The UK are now to monitor property buyers. More information
letting to airbnb
Landlords everywhere will agree that trust plays a key role in maintaining good relationships with tenants. Landlords can’t keep a watchful eye on those occupying their properties all of the time. More information
row of houses
Landlords, breathe a sigh of relief. For a brief period over the summer, it seemed that a new legal case could set a precedent meaning landlords’ duties would become more onerous, with repairing obligations for parts of properties they do not own or contr More information
insurance refusal
Insurance is an essential requirement for landlords. It provides protection for your property and your livelihood; without it, you could face severe financial consequences if something goes wrong, such as a fire or a tenant injury. More information
house and key
9 things to consider before renting your property When you’ve bought a rental property, it’s understandable that you want to waste no time in installing tenants so you can begin to realise a return on your investment. More information