01
The complete building
Identify the number of flats, common parts, outbuildings and any commercial units. Explain construction, known defects, cladding information and planned work.
Home / Landlord & Property Owners Insurance
INDEPENDENT INSURANCE BROKER · CROUCH END
Landlord & Property Owners
Insurance.
Your property. Their home.
Insurance for rented residential property and the responsibilities that come with ownership. Tell us about the building, occupants and tenancy arrangements so we can explore appropriate options.
An initial enquiry. Cover starts only when arranged and confirmed.
Independent since 1978
Based in Crouch End, London
Speak to a real broker
01 / UNDERSTAND YOUR COVER
Let property needs its own conversation.
Ordinary home cover should not be assumed to protect a rented property. Tenancy type, shared occupation and periods between lets need to be made clear.
01
Buildings
Provide the property’s construction and rebuilding value, including fixtures you are responsible for insuring.
02
Landlord contents
List the furniture and other contents supplied to tenants. Their own possessions are a separate responsibility.
03
Loss of rent
Discuss rental income at risk following insured damage and the period of cover required for repairs and recovery.
04
Property owners’ liability
Explain your responsibilities as owner and the areas you control, including common parts and outside access.
These are cover areas to discuss. Insured events, limits, excesses and exclusions depend on the policy you arrange.
Explore your requirements
Blocks of flats and shared buildings
Insuring a whole block is different from insuring the contents of one flat.
Tell us whether you are the freeholder, a residents’ management company or another party arranging buildings insurance. We will need the property ownership and management arrangements, construction, occupancy and rebuilding information.
02
The right values
Discuss the rebuilding sum insured and any professional valuation. Market value and rebuilding cost are different figures. Loss of rent, alternative accommodation and liability need separate consideration.
03
Existing arrangements
Check who is responsible for insurance under the lease or management arrangements. A block policy does not automatically cover every leaseholder’s contents or landlord responsibilities.
If you own only one flat, obtain details of any existing block buildings policy before arranging additional cover. We can discuss your own contents, letting and liability requirements without assuming that you need duplicate buildings insurance.
ESTABLISHED
1978
An independent insurance broker
since 1978
London roots. Looking ahead.
WHY CROSSROADS
More than four decades.
Still personal.
Insurance starts with understanding what matters to you. We begin with a conversation.
01 / THE CROSSROADS APPROACH
Independent markets. Personal attention.
We explore the options available through our insurance markets, based on your property, its use and the cover you need.
02 / THE CROSSROADS APPROACH
People you can speak to.
Tell us what you need and ask the questions that matter to you. Our team will talk you through the available options.
03 / THE CROSSROADS APPROACH
Know where you stand.
We explain the cover, excesses and relevant terms before you decide. You can ask us about the details at every stage.
GETTING STARTED
Three steps.
Let’s get started.
01
Tell us what you need
Share your requirements and contact details. We’ll get in touch to discuss the information needed for a quote.
02
Explore your options
We discuss available cover, optional extras and payment arrangements, including the relevant terms.
03
Confirm before cover starts
Complete the required information and arrangements. Check your documents and the confirmed start date.
Useful details to have ready
Address; tenancy type; number of occupants; rebuild value; landlord contents; rent; occupancy gaps; claims.
Ready to discuss your cover?
Send a short enquiry and we’ll contact you to discuss your requirements.
CUSTOMER EXPERIENCES
Real people.
In their own words.
Read what customers say about their experience with Crossroads.
A LITTLE MORE CLARITY
Your questions
answered.
Answers to common questions about landlord & property owners insurance and arranging cover.
Understanding the cover
Is tenant non-payment covered by loss of rent?
Not usually under an insured-damage loss-of-rent section. Rent guarantee is a separate consideration with its own conditions.
Do tenants need their own contents insurance?
A landlord’s contents section generally concerns the landlord’s possessions. Tenants should arrange cover for their own belongings.
Practical details
Can an HMO or student let be considered?
Explain the actual occupation, licensing position and management arrangements. Acceptance depends on the insurer.
Can several properties be discussed together?
Yes. Provide a schedule of addresses, values and tenancy details so we can explore individual or portfolio arrangements.
Getting a quote
How do I start an enquiry?
Choose a quick callback or share your quote details using the enquiry form, or call 020 8374 9331. We’ll review your requirements and explain any further information needed.
Does the form start insurance cover?
No. Cover begins only when it has been arranged and confirmed. An enquiry or request for a quote is not evidence of insurance.
Managing your policy
Can I ask about instalments?
Ask about available payment arrangements and the total cost. Premium finance is subject to eligibility and terms.
What should I do if my circumstances change?
Contact us before changes affecting the insurance, including activities, property use, values or other insured details. Acceptance and any additional cost must be confirmed.
OTHER WAYS TO WORK
Find your next route.
LET’S TALK ABOUT YOUR COVER
Let’s talk about
your cover.
Tell us what you need. We’ll take it from there.
Monday–Friday · 9am–5pm
133 Tottenham Lane, Crouch End, London, N8 9BJ