Property Owners Insurance can cover both Commercial and Residential properties and generally refers to insuring the actual building along with paths, car-parks, fixtures and fittings.  The cover will usually include alternative accommodation/ loss of rent as standard.

Typically policies will include Property owners Liability, which will protect you if, for example, a tile falls off the roof and injures a passer-by or damages someone else’s property.

Property Owners Contents Insurance is usually an optional cover.