FS Register FRN 1029698

5* rated broker on Google

13+ years specialist broking experience

Insights and Articles Property

Property ownership and management comes with opportunity — but also significant risk. From tenant disputes and property damage to loss of rental income and liability claims, landlords and property investors face a wide range of exposures that standard insurance often doesn’t fully cover.

In this section, we break down everything you need to know about property insurance in the UK for 2026. Whether you own a single buy-to-let, manage a portfolio, or operate short-term and holiday lets, you’ll find practical guidance on buildings insurance, landlord liability, rent guarantee cover, and specialist policies tailored to modern property risks.

Clear, straight-talking advice designed to help you protect your assets, maintain cash flow, and avoid costly gaps — so you can focus on growing your property portfolio with confidence.

Check out our product page for commercial property.

Large HMO Insurance UK 2026: Licensing, Cover & Costs

Large HMO insurance UK 2026: why insurers decline, licensing as an insurability gate, occupancy warranties, malicious damage and loss of rent explained. ...more

Property

July 28, 2026

Large HMO Insurance UK 2026: Licensing, Cover & Costs

Japanese Knotweed & Property Insurance UK | The Real Cover

Buildings insurance won't pay to treat knotweed. What actually helps: legal expenses, liability, the insurance-backed guarantee, plus neighbour claims and TA6 disclosure. ...more

Property

July 22, 2026

Japanese Knotweed & Property Insurance UK | The Real Cover

PRC & Non-Standard Construction Property Insurance UK

PRC or non-standard construction and refused cover? Airey, Cornish, Wates, BISF. Why insurers decline, what the PRC Certificate unlocks, and how a UK specialist places it. ...more

Property

July 20, 2026

PRC & Non-Standard Construction Property Insurance UK

Thatched Property Insurance UK | Cover for a Fire-Rated Risk

Thatched roof and refused cover? Why insurers decline thatch, the fire-safety measures that cut your premium, and how a UK specialist places thatch. Chimney, flue, disclosure. ...more

Property

July 20, 2026

Thatched Property Insurance UK | Cover for a Fire-Rated Risk

Listed Building Insurance UK | Cover That Meets Reinstatement

Listed building costs 2-3x more to rebuild than market value. How UK owners and landlords insure Grade I, II* & II property without the underinsurance trap. ...more

Property

July 20, 2026

Listed Building Insurance UK | Cover That Meets Reinstatement

Subsidence & Underpinned Property Insurance for UK Landlords

Let or commercial property with a subsidence history or underpinning? How UK landlords, freeholders and portfolio owners place cover after a claim. ...more

Property

July 20, 2026

Subsidence & Underpinned Property Insurance for UK Landlords

RAAC Property Insurance UK | Cover for Concrete-Cancer Buildings

Property with RAAC and can't get cover? How UK landlords insure concrete-cancer buildings when insurers decline — the structural report that unlocks it, disclosure, costs. ...more

Property

July 20, 2026

RAAC Property Insurance UK | Cover for Concrete-Cancer Buildings

Spray Foam Insulation Property Insurance UK | Cover After a Decline

Property with spray foam insulation and can't get cover? How UK landlords insure foamed roofs when insurers decline — disclosure, PCA reports, specialist placement. ...more

Property

July 20, 2026

Spray Foam Insulation Property Insurance UK | Cover After a Decline

Cladding & EWS1 Buildings Insurance UK | Specialist Broker

Specialist buildings insurance for UK blocks with combustible cladding or an EWS1 B2 rating — for freeholders, RMCs & managing agents refused cover. ...more

Property ,Adverse Risk

June 28, 2026

Cladding & EWS1 Buildings Insurance UK | Specialist Broker

New-Build (Post-2009) Flood Insurance

Why Flood Re excludes buildings built after 1 Jan 2009, and how modern flood-resilient construction helps secure specialist cover for new premises. ...more

Property

June 08, 2026

 New-Build (Post-2009) Flood Insurance

Landlord/let — Landlord & Let Property Flood Insurance

How landlords and portfolios at flood risk get cover via specialist property owners' markets, including loss of rent. ...more

Property

June 08, 2026

Landlord/let — Landlord & Let Property Flood Insurance

Flood Business Interruption Insurance | UK Broker

Flood downtime often costs more than the damage. Setting the indemnity period and sum insured so flood business interruption cover actually responds. ...more

Property

June 08, 2026

Flood Business Interruption Insurance | UK Broker

Flood Zone 3 Commercial Property Insurance

In Environment Agency Flood Zone 3? How specialist underwriters cover commercial property the standard market declines - pricing the building not the zone. ...more

Property

June 08, 2026

Flood Zone 3 Commercial Property Insurance

Parametric Flood Insurance for UK Businesses

How parametric flood insurance pays an agreed sum in days on a measured trigger, where it fits alongside normal cover, and how to manage basis risk. ...more

Property

June 08, 2026

Parametric Flood Insurance for UK Businesses

Unoccupied Property Insurance UK 2026: Complete Guide

UK unoccupied property insurance 2026 — definitive guide covering 30-day unoccupancy clauses, probate cover, void periods, inspection conditions, and premium benchmarks. ...more

Property

May 22, 2026

Unoccupied Property Insurance UK 2026: Complete Guide

Commercial Property Insurance Cover: The UK Underinsurance Guide 2026

70-75% of UK commercial properties are underinsured. Definitive 2026 guide to Average Clause, declared value, Day One Uplift & reinstatement cost mechanics. ...more

Property

February 12, 2026

Commercial Property Insurance Cover: The UK Underinsurance Guide 2026

Landlord Building Insurance Renewal Help | UK Specialist

Struggling with a landlord building insurance renewal? Specialist broker help for rising premiums, refused cover and non-standard property. Get a quote. ...more

Property

December 09, 2025

Landlord Building Insurance Renewal Help | UK Specialist

Block of Flats Insurance Specialist UK: The Essential 2026 Guide

Discover the 2026 guide from a leading block of flats insurance specialist UK covering expert advice, essential steps, and key tips to secure comprehensive cover. ...more

Property

December 08, 2025

Block of Flats Insurance Specialist UK: The Essential 2026 Guide

Airbnb Insurance UK 2026 | Short Let & Host Cover Guide

Specialist UK Airbnb and short-let insurance — building, contents, public liability, loss of rent, and host-protection cover. Tailored quote, FCA broker. ...more

Property

November 12, 2025

Airbnb Insurance UK 2026 | Short Let & Host Cover Guide

How Much Does Commercial Property Insurance Cost? UK Guide 2026

How much is commercial property insurance in the UK? Typical cost ranges by property type, what drives your premium, how to reduce it, and the underinsurance trap that quietly cuts every claim. ...more

Property

November 11, 2025

How Much Does Commercial Property Insurance Cost? UK Guide 2026

Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG

Miller & Partner Ltd is an Appointed Representative of Gauntlet Risk Management Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 308081). Miller & Partner Ltd is entered on the Financial Services Register under firm reference number 1029698. You may check this on the Financial Services Register by visiting the FCA website at https://www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0800 111 6768. Miller & Partner Ltd is registered in England & Wales, company number 16206282. Registered office: 20 Vivian House, Roman Bridge Close, Swansea, SA3 5BG.