The sum insured
Is it enough to do the job, and not so large that you are insuring a lifestyle you do not have?
Cover, explained
Property Insurance
Property insurance covers buildings you own but do not treat as your everyday home: a rented flat, a family house between occupiers, or a small block you look after. The questions are different from a household policy because tenants, vacant periods, and rental income matter. We can include loss of rent after an insured event and liability toward tenants where the wording allows.
- Landlord buildings and contents of common areas
- Loss of rent after fire, storm, or escape of water
- Vacant-property terms discussed before a long gap in occupation
- Owner liability toward tenants and visitors
Before you buy
Special points we want you to notice
Tell us if the property is mid-renovation, if cooking facilities are limited, or if more than one household shares it. Those facts are not inconveniences to hide. They are the difference between a valid schedule and a claim that stalls. If you also live in one of the units, say so, because owner-occupier and landlord cover are not interchangeable.
Nothing on this page starts a policy. Cover begins only on the date printed on a schedule, after you have accepted it and any first contribution has been paid. If a sentence here disagrees with that schedule, the schedule wins.
Good to know
What people check before they accept
The excess
Could you pay it next month without borrowing? A lower contribution is not a saving if the excess is fantasy.
The exclusions
Read them while nothing is wrong. Ask us to restate any sentence that still feels slippery.
The claims path
Know the mailbox, the photographs you would take, and who in the household can write to us.
Our promise is to make complex insurance language readable, to answer claim questions in writing, and to show the price of cover before you commit.
Every illustration separates the insurance contribution from taxes or fees that must be added. If a number on our pricing page is only an example, we say so.
You will know what we still need from you, why a decision is waiting, and where to write if you disagree. The claims desk is claims@bfdwinery.com.
Advisors are asked to list what they recommended and what they deliberately left out. That note belongs to you.