This product is primarily aimed at residential property and commercial property that is to be converted to residential. We can accommodate commercial that is not being converted but this is not our target market.

Note - We will not be looking to cover property undergoing renovation works under this product and we would refer you to our Renovation Portfolio product for this cover.

Terms and conditions apply.


ERGO Versicherung AG, UK part of the Munich Re Group
Standard and Poors Rating AA-

Geographical Limits

United Kingdom, Northern Ireland, Channel Islands and Isle of Man

Limits of cover

Buildings cover Contents Cover
Minimum Sum insured - £75,000 Minimum Sum insured - £1,000
Maximum Sum Insured £10,000,000+ Maximum Sum Insured £1,000,000

Minimum Premium - £500 plus on Annual policy

Property Owners Liability will be £5,000,000 as standard 

Cover Summary

We are offering two levels of cover. 

Level 1

  • Fire
  • Lightning
  • Explosion
  • Earthquake
  • Aircraft Impact Only

Level 2

As per Level 1 plus

  • Storm
  • Flood
  • Vehicle Impact
  • Escape of Oil
  • Escape of Water
  • Theft/Attempted Theft
  • Malicious Damage
  • Subsidence

Additional Benefit included for both Level 1 and Level 2

  • Trace and Access up to £5,000
  • Replacement locks up to £5,000
  • Damage caused by emergency services up to £5,000
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