Property
Owners
One portfolio. Three powerful products. Expertly built around your clients needs.
A flexible suite of solutions — built to back your advice.
At Covéa Insurance, we know your clients come in all shapes and sizes — from single-property landlords to professional investors managing multi-site portfolios. That’s why we offer a comprehensive range of Property Owners products designed to flex around their needs, and support yours.
With three distinct products under one roof, you can offer tailored, reliable protection that covers the essentials — buildings, landlords’ contents, loss of rent, and liability — plus valuable extras like legal expenses, terrorism, and cover for illegal activities or unauthorised utility use.
Each policy is underpinned by responsive claims support, risk-aware underwriting, and practical extensions designed for real-world landlord challenges.
Simple to trade. Straightforward to trust.
Built for the broker market.
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Key Features
Fly-Tipping Removal
Provides up to £25,000 cover for clearing and removing illegally dumped waste from the property.
Loss of Metered Utilities
Pays up to £10,000 for accidental discharge of water, oil, gas, or electricity from a metered system — helping reduce unexpected overheads.
Illegal Cultivation of Drugs
Includes clean-up and damage costs caused by the illegal production of drugs — subject to rigorous tenant referencing and inspection conditions.
Failure of Tenants’ Insurance
Covers buildings that tenants were contractually obliged to insure but failed to — up to £1,000,000, helping landlords avoid uninsured gaps.
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Real
Estate
Our Real Estate policy is built for owners and managers of commercial and mixed-use property portfolios. It brings together robust protection for buildings, landlords’ contents, loss of rent, legal liabilities, and optional legal expenses.
With enhanced features including cover for illegal drug cultivation, failure of tenant insurance, and unauthorised utility use, it’s designed to help property professionals manage risk, protect income, and respond quickly to the unexpected.
An example of our appetite
Commercial properties operating as Offices, Retail, Light Industrial or Warehousing
Blocks of Flats managed by Managing Agents or Residents Associations
Residential portfolios of Flats and Houses
All varieties of retail including shopping centres and retail parks
Low hazard manufacturing and wholesaling risks such as those involving metal, glass, machinery, builders merchants, electrical components / goods, printers, and all aspects of computing
Key Features
Illegal Cultivation of Drugs Cover
Includes cover for property damage and clean-up if used for the production of controlled substances — with mandatory inspection and referencing conditions.
Loss of Rent & Temporary Accommodation
Covers loss of rent or tenant rehousing if the property becomes uninhabitable due to insured damage — up to 33.3% of the building sum insured.
Trace & Access Cover
Up to £5,000 towards the cost of finding and fixing the source of water or oil leaks — essential for mitigating further damage.
Malicious Damage by Tenants
Up to £5,000 cover for malicious acts caused by residential tenants or their guests — with clear referencing requirements to support prevention.
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Residential
Property Owners
Our Residential Property Owners policy is tailored to protect landlords against the unexpected. With cover for buildings and contents, loss of rent, property owners’ liability, and a host of built-in protections — including malicious damage, emergency access costs and clean-up after illegal activity — we’re here to help landlords safeguard their assets and maintain continuity of income.
Trusted, flexible, and backed by expert claims support.
Professional Working Tenants
Retired Tenants
DWP (DSS) Non Referral Tenants
Family Units
An example of our appetite
Key Features
Loss of Rent & Reletting Costs
Covers loss of rent, re-letting expenses, increased costs of working, and even business rates where applicable (up to 33.3% of the Buildings and Contents sums insured).
Loss of Metered Utilities
Covers up to £25,000 if water, gas, oil or electricity is accidentally discharged and lost from a metered system, helping protect your clients from unexpected utility bills
Illegal Cultivation of Drugs
Cover (up to the inner limit of £5,000) for property damage and clean-up if used for the production of controlled substances — with mandatory inspection and referencing conditions.
Trace & Access Cover
Up to £5,000 towards the cost of finding and fixing the source of water or oil leaks — essential for mitigating further damage.
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Property
Owners
Comprehensive, flexible protection — trusted by landlords, backed by Covéa.
Our Property Owners policy is a robust, all-in-one solution for landlords of residential, commercial, or mixed-use premises. Designed to protect both property and income, it covers buildings, contents, loss of rent, property owners’ liability, and offers key optional extras like terrorism and legal expenses. With a broad range of built-in extensions — from trace and access to unauthorised utility use — it helps safeguard clients against real-world risks and costs that landlords face every day.
Whether your client owns a single let property or a growing portfolio, this policy is structured to support their investment — and your advice — with clarity, confidence, and expert claims service.
All the essentials. Backed by real-world cover. Built to perform.
Professional Working Tenants
Retired Tenants
DWP (DSS) Non Referral
Family Units
Offices
Retail Units
An example of our appetite