Property Owners Insurance
Tailored landlord and property owner insurance. Protect your investment against floods, fires, and more.
Get coveredTrusted by Landlords
See why countless property owners choose us for reliable and comprehensive property owners insurance.
Oracle got a significantly cheaper quote for us! Highly recommended.
Hannah C
facebook
Jay was extremely helpful and knowledgeable, allowing us to swiftly move our house insurance for a fraction of the renewal price quoted elsewhere (after 14 years with no claims). Thank you Jay and Oracle for working through these unprecedented times!
Charlotte
facebook
Just want to say a huge thank you to Conor and all the team at Oracle. This was the second time using them to advise and guide us with a mortgage and both times they have been FANTASTIC. We didn’t have the smoothest run with our buying and selling properties but Oracle advised us all the way along and were always happy to listen, help and ensure we got the best deal possible. Thank you so much! ๏ฟฝ
Kat
email
Brilliant service once again. I enquired about house insurance on a Friday afternoon as our renewal premium had more than doubled! Oracle not only came back with a quote out of hours, but we’re now paying a third of the renewal quote! We wouldn’t go anywhere else for our mortgage, life or house insurance.
email
From start to finish Conor and the team were quick, friendly and always happy to answer any questions which in turn lead to our mortgage being approved. Great level of service, thank you.
Kris & Emma
email
Coverage You Can Count On
At Oracle, we understand the importance of protecting your property. Our insurance policies are designed to shield your investment, whether you're renting out a residential or commercial space. From building damage repair to lost rental income and liability protection, we've got you covered. Knowing the rebuild cost of your property is crucial to avoid underinsurance, and we're here to help you get it right. Plus, our additional legal expenses insurance option provides an extra layer of security for a variety of tenant-related disputes. With Oracle, safeguarding your financial future is simple and straightforward.
It only takes 2 minutes
Insure with ease, starting today
Secure comprehensive cover for your property. With personalised, fast quotes you can enjoy peace of mind knowing your investment is protected.
Complete the online form
Get a reply within 24 hours
Instant Access
Our digital platform gives you complete control over your insurance, making managing your policy a breeze.
Log in
Approval in 3 simple steps
Youโre only a few clicks away from full protection for your property.
Own the answers to insure your investment
We're here to help, so speak to us with any specific property owner insurance queries.
What is 'Property Owners Insurance'?
Commercial or Residential property owners face numerous risks. ‘Property Owners Insurance’ provides extensive coverage for buildings, contents, outbuildings, accidental and malicious damage by tenants, loss of rent, and more.
What does a 'Property Owners Policy' cover?
A standard ‘Property Owners Policy’ protects against financial losses from damage to buildings, contents, fixtures, fittings, and loss of rent following specified perils such as storm, flood, fire, escape of water or oil, subsidence, and malicious or accidental damage.
What happens in the event of a claim?
We actively assist in managing your claim from notification to settlement, minimising business interruption. With Oracle, we treat your claim as if it is our own, so you’ll have someone to guide you through every step.
Can I pay the premium monthly?
Yes, premiums can be spread over monthly instalments. The duration and interest rate depend on the insurer and scheme.
Why choose Oracle for Property Insurance?
Our experienced brokers understand your risks, whether you own an individual property or large portfolios. We compare quotations across a broad panel of insurers to ensure competitive premiums and comprehensive coverage.
Why do I need to know my propertyโs rebuild cost?
Knowing the rebuild cost prevents underinsurance, ensuring your cover accurately reflects your property’s value. This ensures you are covered in the event of any damage or perilous circumstances.
Can I get insurance for an unoccupied property?
Yes, we provide coverage for unoccupied properties, protecting against risks even in the absence of tenants.
What cover is available for 'Unoccupied Properties'?
Insurance policies impose conditions on vacant properties, requiring actions like property visits, sealing letterboxes, and turning off utilities. Standard cover includes Fire, Lightning, Explosion and Aircraft with options to extend coverage.
What if I need to make a claim?
Our in-house claims team is here to assist, facilitating a smooth process without needing to contact insurers directly.
Is legal expenses insurance worth it?
Legal expenses insurance offers additional protection for tenant-related disputes and legal matters, safeguarding your financial interests.