Buildings Insurance: Protect the Property. Plan for What Comes Next.

uildings insurance for landlords and commercial property owners in Leicester, Leicestershire and beyond.

You can see the condition of a roof. You can inspect the windows. Understanding what an insurance policy will do when something goes wrong takes a closer look.

At Cornerstone Insurance, we help you explore the cover available for your property, understand the important details and make an informed decision.

From a single rental property to a mixed commercial portfolio, start with a conversation.

[Discuss Your Property Cover]

Prefer to speak to us? Call 0116 3440 040.

A premium tells you the price. It doesn’t tell you the whole story.

Comparing premiums is straightforward. Comparing the protection behind them takes more care.

How has the rebuilding cost been calculated? What happens if insured damage leaves the property unusable? Does the insurer know that part of the building is empty?

These details can matter when you need to claim.

We’ll discuss your property, how it is used and your priorities, then explain the available options—including relevant limits, conditions and exclusions.

Buildings Insurance for Your Property

Different properties need different conversations. We can discuss insurance requirements for:

• Residential rental properties: individual buy-to-lets and portfolios.
• Blocks of flats: purpose-built blocks and converted buildings.
• Commercial properties: shops, offices, warehouses and industrial premises.
• Mixed-use buildings: properties combining commercial and residential occupation.
• Unoccupied properties: buildings awaiting tenants, sale or refurbishment.

Tell us what you own and how it is occupied. We’ll help you explore suitable options.

The Building Is Only Part of the Picture

After serious property damage, the repair bill may be one of several concerns.

There may be rental income at risk, tenants asking questions and decisions to make about recovery.

Depending on your requirements and the policy available, we can discuss:

Buildings Cover

Protection against specified events that damage the insured building. The events covered, settlement basis and exclusions depend on the policy.

Loss of Rent

Cover that may help with lost rental income when insured damage makes a property unusable, subject to policy conditions and the indemnity period.

This differs from rent guarantee insurance, which addresses certain situations where tenants fail to pay.

Property Owners’ Liability

Cover that may respond to your legal liability for injury or property damage arising from ownership of the insured premises.

Additional Cover Options

Depending on the insurer and property, options may include accidental damage, malicious damage by tenants, landlords’ contents, subsidence and legal expenses.

The useful question is: what protection does this particular property need?

Rebuilding Cost and Market Value Are Different Figures

The price a building would fetch and the cost of rebuilding it are not the same thing.

Rebuilding may involve demolition, debris removal, professional fees and specialist materials. Older or unusual properties can bring further considerations.

An inadequate sum insured can affect a claim settlement. We can discuss the information needed for your insurance enquiry and whether a professional reinstatement cost assessment would be appropriate.

Empty Buildings Need Attention Too

A property can become unoccupied for perfectly ordinary reasons: a tenant leaves, a sale takes time or refurbishment runs longer than expected.

That change can affect insurance cover.

Tell us about vacant areas, changes of use and planned works so we can discuss them with the insurer. Unoccupied property cover may carry specific restrictions and requirements, including inspections or security measures.

A short conversation before circumstances change can help clarify what you need to do.

Personal Advice, Starting With Your Property

Insurance terminology should help you understand a decision.

We’ll take time to discuss your requirements, explain the available cover and answer your questions in plain English.

Whether you own one building or several, bring us the details—and the questions you are unsure how to ask.

What Happens Next?

1. Tell us about the property.
We’ll discuss its location, construction, use, occupancy and your existing insurance arrangements.

2. Explore the available options.
We’ll explain relevant cover, terms and information the insurer requires.

3. Decide with a clearer picture.
You can consider the premium alongside the protection and conditions behind it.

Frequently Asked Questions

Does buildings insurance cover tenants’ belongings?

Buildings insurance generally covers the insured structure. Tenants usually need their own contents insurance. Landlords’ contents cover may be available for items you provide, subject to the policy.

Can several properties be insured together?

Portfolio arrangements may be available. The options depend on the properties, their uses, claims history and the insurer’s requirements.

Is an unoccupied building covered automatically?

Do not assume it is. Policies can restrict cover after a specified period of unoccupancy and impose additional conditions. Check your wording and notify your broker when occupancy changes.

Can you discuss cover required by a lender?

Yes. Share the lender’s requirements with us so we can discuss them alongside your own insurance needs. Meeting a lender’s requirements is one part of choosing cover.

Give Your Property Cover a Closer Look

Whether your renewal is approaching, you have bought another building or your existing cover needs reviewing, we’re ready to discuss your requirements.

Call Cornerstone Insurance on 0116 3440 040.

[Request a Property Insurance Callback]

Share your name, preferred contact details and a brief description of the property. Add your renewal date if you know it.

Cover is subject to underwriting and the insurer’s policy terms, conditions, limits and exclusions.