Real Estate Insurance
Complete insurance solutions for residential and investment properties. Protect your real estate assets with tailored coverage for any property type or portfolio size.
Real estate is often one of the largest investments property owners make. Whether you're a landlord managing rental properties, a developer building new homes, a portfolio investor with multiple properties, or a homeowner protecting your primary residence, your real estate assets need comprehensive insurance protection.
At Aserto, we specialize in real estate insurance across all property types and portfolio sizes. We understand the unique risks and coverage needs of residential properties, rental portfolios, development projects, and investment properties. Our role is to ensure your real estate assets are properly protected with coverage that's tailored to your specific situation.
What Real Estate Insurance Covers
Buildings Cover
- Structure and walls
- Roof and foundations
- Permanent fixtures and fittings
- Coverage against fire, flood, theft, and damage
Rental Income Protection
- Loss of rent coverage
- Business interruption protection
- Tenant default cover
- Portfolio-wide rent protection
Key Considerations for Real Estate Insurance
Property Valuation
Your property must be accurately valued at replacement cost. Underinsurance means you won't receive full compensation if disaster strikes. We ensure your buildings and contents are valued correctly.
Portfolio Management
If you own multiple properties, managing individual policies becomes complex and costly. Portfolio insurance consolidates your cover into one manageable policy with potential discounts for larger portfolios.
Mortgage Requirements
If your property is mortgaged, your lender will require you to maintain buildings insurance. We ensure your policy meets all lender requirements and protects both you and your mortgage provider.
Maintenance Standards
Most insurers require properties to be maintained to certain standards. Poor maintenance can void your policy or affect your ability to claim. We advise on what insurers expect.
Policy Limits and Exclusions
Typical Coverage Limits
- • Buildings: Up to property value (typically £50,000–£2,000,000+)
- • Contents: Furnishings and fixtures (varies by property)
- • Loss of Rent: Monthly rent × number of months (typically 3–12 months)
- • Liability: Typically £1–5 million per claim
Common Exclusions
- • Wear and tear or gradual damage
- • Damage from lack of maintenance
- • Damage from faulty design or poor workmanship
- • Unoccupied properties (30+ days)
- • Damage from tenant negligence (without optional cover)
Why Choose Aserto?
Real estate insurance needs specialized expertise. Whether you own one property or manage a large portfolio, we understand the unique risks and coverage needs of property investors and landlords.
Independent Brokerage
Not tied to any single insurer. We find the best coverage at the best price for your situation.
Tailored Advice
We take time to understand your unique needs and create customized solutions that protect what matters most.
Expert Claims Support
When you need us most, we're there to guide you through every step of the claims process.
Clarity
Clear communication. We explain what you're covered for and why, no jargon or hidden terms.
Confidence
Know that you're protected by expert insurance brokers who understand your sector.
Control
You're in control. We present options and empower you to make the decisions that suit your business.
With Aserto, you get a broker who truly understands your needs. That's clarity, confidence, and control.
Get Your Real Estate Insurance Quote
Protect your property investment with expert real estate insurance tailored to your needs.
Request a Quote