Property Insurance

Coverage that keeps your business standing strong

Keeping your home safe

Home Insurance

Our home insurance policy has been carefully designed to provide comprehensive cover for both buildings and contents, ensuring your property and belongings are protected against life’s uncertainties. In addition to safeguarding the structure of your home and everyday household items, we also include protection for valuables and personal possessions – whether they’re kept at home or taken with you when you’re away. This means you can enjoy peace of mind knowing that the things that matter most are covered wherever you are.

keeping homes protected

Specialist Home Insurance Solutions for Every Property

Every home is different – that’s why we offer a full range of specialist home insurance options, from standard combined buildings & contents insurance to cover for high-value or listed properties. Whether you need contents insurance, protection during renovations or building work, cover for homes used as businesses or with lodgers, or bespoke high-net-worth policies, our tailored home insurance solutions will safeguard your property, possessions, and peace of mind.

Explore our full range of home insurance options below – from standard buildings and contents cover to specialist policies designed for unique circumstances. Whatever your situation, you’ll find a policy tailored to your needs.

Standard Home Insurance
Policy Holders With Criminal Convictions
Homes Used as Bed & Breakfasts
Homes Used for Childminding
Homes With Lodgers
Homes Undergoing Building Work & Refurbishments

High & Mid Net Worth
Homes Used for Business
Contents in Depositaries and Storage
Homes Needing Cover Between Exchange & Completion
Shared Occupancy
Working Farms

Protecting occupied properties

Occupied Property Insurance

From commercial units to residential lets, our occupied property insurance is designed to protect properties in everyday use. We offer specialist cover for mixed-use buildings, owner-occupiers, and landlords with tenants ranging from professionals to students and holidaymakers.

Insurance Built Around You

Here to Help Protect Your Property

Finding the right insurance for an occupied property can be complex, especially when dealing with mixed-use buildings or a variety of tenancy types. Our expertise means we can take the stress out of the process, helping you choose cover that’s both comprehensive and cost-effective. Whether you need protection for residential lets, commercial premises, or properties used for multiple purposes, we can guide you through the options.

We believe in tailoring every policy to the individual needs of our clients. If you’d like to discuss your requirements, get in touch with our team today. We’ll work with you to find the most suitable occupied property insurance solution and ensure your property, tenants, and income are fully protected.

specialist unoccupied cover

Unoccupied Property Insurance

Leaving a property empty can expose it to unique risks such as theft, vandalism, or accidental damage. Our unoccupied property insurance provides peace of mind by protecting vacant homes, empty commercial units, and mixed-use buildings when they are not in regular use. With short-term and flexible cover options, you can safeguard your property during periods of transition, renovation, or probate.

Our unoccupied property insurance is available for

specialist unoccupied cover

How Saepio Can Help Protect Your Unoccupied Property

You’ll find our unoccupied property insurance is second to none, offering flexible protection across a wide variety of situations. Whether your building is awaiting tenants, undergoing refurbishment, or temporarily vacant for personal reasons, our policy is designed to provide peace of mind. Cover is available for many scenarios, including but not limited to:

We also offer short-term policies available for 3 or 6 months, giving you flexibility if your property will only be empty for a limited period. What’s more, our policies are fully transferable – if your property becomes tenanted, we can seamlessly amend your cover to a Tenanted Property Insurance policy to meet your new requirements.

Whatever the reason your property is unoccupied, we’ll ensure it remains protected with cover that adapts to your circumstances.

protecting your portfolio

Portfolio Insurance

We offer competitive discounts for portfolios with a combination of uses, making it simple and cost-effective to insure multiple properties under one policy. Whether your portfolio includes residential lets, commercial premises, UK holiday homes, or even unoccupied buildings, our property portfolio insurance provides flexible cover that adapts as your needs change. With protection for buildings, contents, and property owners’ liability all in one place, you’ll benefit from streamlined management and peace of mind across your entire portfolio.

portfolio security

Property Owners' Liability and Legal Liability as Occupier or Landlord

If you choose to insure contents only, you’ll still benefit from Legal Liability as Occupier or Landlord, and for a small additional premium, you can add Property Owners’ Liability to your policy. We provide liability protection up to £5,000,000, giving you peace of mind that you’re covered should the unexpected happen.

The specific cover offered as part of a portfolio insurance policy will depend on the type of risks included – whether residential lets, commercial premises, unoccupied properties, or holiday homes. In every case, our standard policy cover applies, ensuring consistent protection across your portfolio.

Protecting a property portfolio requires the right balance of flexibility and security. Get in touch with our team today to discuss your requirements, and we’ll tailor a portfolio insurance solution that gives you complete confidence in your cover.