If you’re a property owner in the UK, you’ve likely noticed a sharp uptick in insurance premiums over the past year. From climate-related risks like flooding and subsidence to inflation-driven repair costs, insurers are tightening their terms—and landlords are feeling the squeeze. According to recent industry reports, premiums for rental properties have risen by up to 30% in some regions, especially for older buildings or those in high-risk zones. So what can you do to protect your margins without compromising coverage?

Here are five actionable strategies:

• 🔍 Review Your Policy Annually: Many landlords stick with the same insurer out of habit. But loyalty doesn’t always pay. Compare quotes and check for hidden exclusions—especially around water damage and tenant liability.

• 🛠️ Invest in Preventative Maintenance: Insurers reward proactive owners. Installing leak detectors, upgrading roofing, and servicing boilers can reduce your risk profile and unlock discounts.

• 🧾 Bundle Your Cover: If you own multiple properties, consider portfolio insurance. It’s often cheaper and easier to manage than individual policies.

• 🧠 Understand the Rebuild Cost vs. Market Value: Over-insuring based on market value can inflate your premium unnecessarily. Use a professional valuation to get accurate rebuild figures.

• 📋 Document Everything: Keep a digital log of inspections, repairs, and tenant communications. In the event of a claim, this can speed up processing and reduce disputes.

If rising insurance costs are just one of many headaches you’re juggling—alongside tenant turnover, compliance updates, and maintenance coordination—why not let us take the weight off? Our property management team works across the UK to streamline operations, reduce risk, and maximise returns for landlords. Whether you’re unsure how to optimise your insurance or simply want peace of mind that your properties are in expert hands, we’re here to help. Let’s turn your property into a stress-free asset. Reach out today and let us manage the details, so you don’t have to.