Whether you are a first-time landlord with a single buy-to-let property or an experienced investor with a portfolio spanning residential terraces, HMOs, commercial units and mixed-use buildings, Haxon arranges landlord insurance that reflects what you actually own, at the right terms, through the right insurers.
We do not believe one approach fits every landlord. Some portfolios work best consolidated under a single programme. Others are better served by carefully selected individual policies placed with specialist insurers for each property type. What matters is not the structure, it is that every property is properly covered, every policy is reviewed annually and every landlord has one broker who genuinely knows their portfolio.
Your portfolio grew. Did your insurance keep up?
The most common problem Haxon encounters when reviewing a new landlord client's cover is not that their properties are uninsured, it is that their policies have drifted. Sums insured that have not kept pace with rising rebuild costs. Liability limits set years ago that no longer reflect the size of the portfolio. A property that changed from a standard AST to an HMO without the policy being updated to reflect it.
These are not dramatic failures. They are the quiet, gradual consequences of insurance that was arranged once and never properly reviewed. They only become visible at the point of a claim, which is precisely the wrong moment to discover them.
Haxon reviews every landlord client's cover with genuine attention at each renewal, checking sums insured against current rebuild costs, reviewing tenancy types and property uses for any changes, and ensuring every policy in place is still the right one for the risk it covers. Not as a sales process, but as a professional obligation.
One broker across your entire portfolio, whatever that looks like.
Having a single broker who knows every property in your portfolio, regardless of how many policies or insurers are involved, means nothing falls through the gaps. Mid-term changes are handled promptly. Claims are managed by someone who already understands the property and the circumstances. And at renewal, every policy is reviewed together rather than in isolation, so the overall picture is always coherent.
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Cover across every type of landlord property
Buildings and landlord contents insurance for residential investment properties let on assured tenancies, periodic tenancies, company lets and to housing benefit tenants. Sums insured reviewed against current rebuild costs at each renewal.
Cover for houses in multiple occupation, including those subject to mandatory or additional HMO licensing. HMO risks require specific policy wording, standard landlord policies frequently contain exclusions that apply to multi-occupancy properties.
Properties combining residential and commercial use, ground-floor retail, office or hospitality with residential above, arranged on a combined basis that reflects both elements of the risk correctly.
Light industrial, office, retail and other commercial units held as part of a wider investment portfolio, arranged alongside residential cover where the portfolio spans both sectors.
Cover for properties temporarily unoccupied between tenancies or undergoing refurbishment, a risk that standard occupied landlord policies frequently exclude or restrict.
However many properties you own, we make sure they are all looked after
Whether you own one investment property or a portfolio of thirty, Haxon provides the same level of attention to every client and every property we look after. A single conversation is all it takes to understand whether your current cover is right, and what, if anything, could be better.
