RESIDENTIAL LANDLORD'S PROPERTY INSURANCE

Whether you are an experienced landlord or taking your first steps into the residential lettings market Oakfield Insurance Brokers have a policy to suit your needs.  It doesn't matter whether you are letting a flat, house, HMO or block of flats - we're here to help you find the most suitable insurance cover.

Oakfield Insurance Brokers are experienced in the provision of residential landlord insurance. We are proud to be one of only 2 insurance brokers that work with South West Landlords Association in providing competitive let property insurance to their members.

With access to over 30 providers of residential landlord insurance, we are always able to offer insurance cover that meets the needs of residential landlords at a competitive price.

We can help you with the following scenarios:

CONSTRUCTION

• Non-standard construction including cob, mundic block, wood/steel framed and timber cladding
• Up to 100% flat roofing (including felt on timber, EPDM,GRP, concrete, metal and other materials)
• Asbestos roofing (predominantly on garages)
• Up to 100% wooden construction including chalets & lodges
• External wall insulation including EPS cladding
• Grade 2 Listed Properties

UNOCCUPIED PROPERTIES

• Awaiting tenants
• On the market to be sold
• Undergoing building works (including redecoration & structural/non-structural building works)
• Long term unoccupancy (over 1 year) - subject to state of repair of property & pictures

OCCUPANCY/TENANT TYPE

• Working / Retired / Benefits dependent / Students / Owner Occupied (only in management company name if wholly owner occupied)
• HMO's including bedsits
• Asylum seekers
• Let to a housing charity or a company that provides housing to local councils and/or the Home Office
• Children (where there are live-in carers)
• Let to a company who are placing their employees in the property
• Holiday and/or Second Homes

OWNERSHIP

• Joint freeholders & Reverse freeholders (common with houses converted to flats)
• Absent freeholder
• Leaseholders (subject to reason why freeholder not insuring property)
• Property insured in the name of a management company
• AST (min 6 months) & post-May 2026 rolling
• Property leased to housing provider (details of type of tenants is required)

EXTERNAL RISKS

• Previous history of flooding or in a high flood risk area
• Previous subsidence and/or underpinning
• Proximity to a river, watercourse or the sea

CLAIMS HISTORY

• Single large claim (such as a £20,000 escape of water claim)
• Multiple claims in the last 5 years

Call Oakfield Insurance Brokers on 01752 717667 for a no-obligation quote today.