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Unoccupied Property

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Landlord Insurance

SAGIC Landlord Insurance

SAGIC (Salvation Army General Insurance Corporation) is a relative newcomer into the landlord insurance market, however they have been insuring property for their members for many years.

It is a captive insurance company, originally started by the Salvation Army to insure their own property, but is now branching out into the general insurance sector.

Since the company is a highly ethical one, it is unlikely to commence offering products through aggregator sites.

What we like

The company has shown itself to be flexible in underwriting specific risks that fall outside the ambit of traditional landlord and unoccupied property insurance. It has appreciated the different types of tenancies and provided cheap landlord insurance rates for the whole gamut, including unoccupied or owner-occupied homes. Being able to speak to underwriters to discuss cases has enabled us to offer a more comprehensive service.

What we are looking for in the future

The policy being used for landlord (and unoccupied property) insurance is based on their traditional household policy. Production of a policy tailor made for the landlord insurance market would help the company establish a firmer presence (but would restrict the flexibility currently available for switching between schemes e.g. going from a landlord policy to an unoccupied property insurance policy).

Click for your quote for landlord insurance Compare all our landlord insurance policies
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Landlord Insurance at Portwood's

Portwood's have specialised in landlord insurance both online and offering advice, offering a range of cheap landlord insurance policies with many different companies.

Our own SAGIC landlord insurance scheme (not available elsewhere) is extremely competitive (compare the premium above). In addition it offers a wide range of benefits and flexibility.

  • Covers all types of tenants, from professional lets to student bedsits to DSS, to asylum seekers

  • Malicious damage by long-standing tenants covered.

  • Low standard excess (75 no matter what class of tenant)

  • Substantial discounts for increasing the excess to 150 or 250 (often standard excesses found elsewhere).

  • Large discounts for policyholders with proven experience as landlords.

  • Accidental damage to fixed pipes, glass, hobs, sanitaryware

  • Optional increase to full accidental damage (for all types of tenancies and unoccupied property)

  • Loss of rent

  • Easy change e.g. changing from an unoccupied property to a buy to let property to an owner occupied property as circumstances change

  • Emergency Access cover e.g. if emergency services have to force entrance to home

  • Automatic cover for purchasor if you sell the property from exchange of contracts to completion

  • Consideration to properties located in flood or subsidence areas, especially if appropriate risk-management has been implemented since claims.

If these benefits do not meet your requirement for landlord insurance then either use the comparative landlord insurance quote system (above) or call us to discuss your needs.

Landlord Insurance is one of many of our products. Above all we aim to help our customers in all aspects of insurance.

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Tenant Types

Other Insurance Brokers

The scheme above is available to other insurance intermediaries (sub-broking) or letting/ estate agents (IAR status)

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More about landlord's house insurance - companies we use, cover, boiler breakdown etc

For other products other than insurance for landlords or travel insurance, click here.

We only provide insurance for the UK market. For links to sites in the American Insurance market click here. (we have no control over content of other insurance websites and make no recommendation as to the suitability of insurance products offered thereon)

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Portwood Insurance Brokers

We have been insurance brokers for more than 40 years and aimed to give advice to customers about their 'demands and needs'. Unless you call us our products are offered on a 'non-advised' basis - it will your responsibility to ensure the product is suitable on the information provided. If you contact us advice will be provided and a recommendation made on the appropriate policy

If you would like to offer some feedback about our firm/ site/ service then please click here.

eXTReMe Tracker B Portwood & Co Ltd is incorporated in the United Kingdom. Our registered office is 44 Medomsley Road, Consett, Co Durham. DH8 5HA. Our company number is 785468. We are registered under the Data Protection Act. We are authorised and regulated by the Financial Services Authority for the arrangement and administration of non-investment insurance contracts. Our registration number is 300694. This may be checked by viewing the FSA register or calling them on 0845 6061234.

For any further help: please call us on 0844 8262616 if you need any further information.

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