🏠 Insurance Division

Property Insurance UK

Independent guides to UK property insurance — home, buildings and contents cover, landlord and buy-to-let insurance, tenant and student cover, plus holiday home and commercial property protection.

Explore Departments → Back to Insurance Hub

Property Insurance Division

Cover for Every Kind of UK Property

The Property Insurance Division covers homes, rental properties, commercial premises and everything in between. Whether you own, let, rent or manage property, you'll find dedicated departments and practical guidance in one place.

14

Departments

100+

Future Guides

UK

Nationwide Coverage

24/7

Free Resources

Explore Property Insurance Departments

Choose a specialist department below to explore in-depth guides and practical resources for your property.

Home Insurance

Combined buildings and contents cover for owner-occupied homes.

Buildings Insurance

Cover for the structure of a property — walls, roof and fixed fittings.

Contents Insurance

Cover for belongings inside the property, from furniture to electronics.

Landlord Insurance

Cover for rented property, including loss of rent and landlord liability.

Buy-to-Let Insurance

Cover tailored to properties bought specifically to let out to tenants.

Tenant Insurance

Contents and liability cover for people renting their home.

Student Contents Insurance

Cover designed for term-time accommodation and student living.

Holiday Home Insurance

Cover for second homes and holiday properties, including seasonal risks.

Unoccupied Property Insurance

Specialist cover for properties left empty beyond standard policy limits.

Rent Guarantee Insurance

Cover for landlords against loss of rental income if a tenant stops paying.

Commercial Property Insurance

Cover for buildings and premises used for business purposes.

Office Insurance

Combined cover for office premises, contents and equipment.

Shop Insurance

Cover for retail premises, stock and public liability.

Farm Property Insurance

Cover for farmhouses, outbuildings and rural residential property.

Property Insurance Tools

🧮 Insurance Calculator

Get an illustrative premium estimate in under a minute.

🔍 Insurance Finder

Answer a few questions to find the right guide for you.

📖 Insurance Glossary

Plain-English definitions of common UK insurance terms.

Property Insurance FAQs

What's the difference between buildings and contents insurance?

Buildings insurance covers the structure of the property itself — walls, roof, windows and fixed fittings. Contents insurance covers your belongings inside the property, such as furniture, electronics and personal items. Home insurance often combines both.

Do landlords need different insurance to homeowners?

Yes. Standard home insurance is typically designed for owner-occupiers and can be invalidated if the property is rented out. Landlord insurance is built for rented property and can include cover for loss of rent, malicious damage by tenants, and landlord liability.

Is unoccupied property insurance necessary?

Standard home insurance policies often restrict or exclude cover if a property is left unoccupied beyond a set period (commonly 30-60 days), since empty properties carry higher risks of damage, vandalism or undetected issues like burst pipes. Specialist unoccupied property insurance is designed to fill that gap.

Does contents insurance cover a student living away from home?

Sometimes a parent's home contents policy extends limited cover to a student's belongings at university, but often with lower limits and exclusions. Dedicated student contents insurance is designed specifically for term-time accommodation.

Related Insurance Divisions

Continue exploring other specialist insurance divisions available on PrimeInsuranceUK.