This is a demonstration site. Clearline Insurance is a fictional broker, and its people, reviews, reference numbers and figures are samples.
Folkestone, Hythe, Dover & Ashford Office opens 09:00 weekdays.
Clearline Insurance
01632 960 482 Get a quote

Property owners & landlords insurance · Folkestone, Hythe, Dover & Ashford

Your buildings, your rent and your tenants, insured on one set of terms.

Cover for flats, HMOs, shops and commercial units across east Kent, from a single let to a portfolio.

Call 01632 960 482Get a quote
  • Portfolio policies from 1 to 100+ units
  • Specialist HMO and student let insurers
  • Rebuild valuations arranged through RICS surveyors

The risks you face

What actually goes wrong in property owners & landlords

01

Rebuild value set too low

Many portfolios still use values from the day of purchase. After years of build-cost inflation, average can reduce every claim.

02

Empty between tenants

Most policies restrict cover once a property has been unoccupied for 30 to 60 days. Missing that condition is a common reason for claims being declined.

03

Escape of water in flats

Leaks between flats are the most frequent claim we handle for landlords. Excesses and exclusions for this cause vary widely.

04

Loss of rent

After a fire or flood, rent often stops for months. Cover needs to run long enough to rebuild and re-let.

05

Tenant disputes and liability

Trips in common areas and poorly maintained stairwells lead to claims against the owner.

06

Lender and lease conditions

Mortgages and leases often require named cover, terrorism cover or the lender's interest noted.

How we help

A broker who understands portfolios

We look after landlords with one flat and investors with more than a hundred units across Folkestone, Hythe, Dover and Ashford. Most came to us because their cover was spread over several policies with different renewal dates, conditions and excesses.

We bring properties onto a single portfolio policy where it makes sense. We check each rebuild value against current costs and set unoccupancy terms that match how you let.

When a claim happens

Our claims team deals directly with loss adjusters and contractors. For escape-of-water claims in flats, which are the most common, we coordinate between tenants, leaseholders and the insurer so repairs start quickly.

Cover we typically arrange

Every policy has limits, excesses and exclusions. We explain the important ones in plain English before you buy.

Property owners & landlords risk check

Answer 6 quick questions. See what an insurer will want to know, and send your answers with a quote request so you are not asked twice.

Risk questions

Do you let to students, DSS tenants, or as an HMO?

Are any properties empty now, or likely to be for more than 30 days?

Has a professional rebuild valuation been done in the last 3 years?

Do you own any listed buildings or buildings with thatch or timber frame?

Are there commercial tenants such as takeaways below residential flats?

Do you have a mortgage lender who needs to be noted on the policy?

What to discuss with your broker

  • Your talking points appear here as you answer.
Send my answers with a quote request

This checklist helps you prepare. It is not advice and does not assess your cover. Your broker will go through your needs with you.

Rebuild cost check

Your buildings sum insured should be the cost to rebuild, not the market value. If it is too low, the "average" clause can reduce every claim, including small ones.

Illustrative rebuild range

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Construction
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Professional fees (~12%)
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Demolition and site clearance (~7%)
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This is an illustration, not a valuation, and the rates used are sample figures. For an accurate figure, get a reinstatement cost assessment from a RICS surveyor or use a BCIS-based assessment. We can arrange either.

Case study

A 22-unit portfolio underinsured by 38%

A Folkestone landlord came to us with 22 flats across four buildings, insured on two policies with rebuild values set in 2014. A rebuild assessment showed the buildings were underinsured by 38%. We moved the whole portfolio onto one policy with corrected values and agreed unoccupancy terms. The premium rose by less than the landlord expected, because the portfolio discount offset most of the increase in values.

Private landlord, Folkestone (sample case study)

Questions

Property owners & landlords insurance questions

Do I need a rebuild valuation?

It is the only reliable way to know your sum insured is right. We can arrange a RICS or BCIS-based assessment, and our rebuild tool gives a first indication.

What happens if a flat is empty for a while?

Tell us before the policy's unoccupancy limit, usually 30 to 60 days. We can usually agree terms, sometimes with conditions such as regular inspections or draining water systems.

Is loss of rent automatic?

Many landlord policies include some loss of rent, but the limit and period vary. We check it would last long enough to rebuild and re-let.

Other sectors

Construction & trades Builders, groundworkers, electricians, plumbers, roofers and specialist contractors, from sole traders to main contractors. See how we cover it Haulage & logistics Owner-drivers, hauliers, couriers and warehousing operators working through the Port of Dover and the Channel Tunnel. See how we cover it Hospitality Cover for the fire, liability, staff and closure risks of running a pub, restaurant, café or hotel. See how we cover it

Talk to someone who insures property owners & landlords businesses every day

Most clients in this sector prefer to talk it through. Book a callback and we will ask the right questions, so you only explain once.

Call 01632 960 482Get a quote
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