Residential Advantage

 This policy is no longer available.

Key Features

  • Accidental Damage
  • Malicious Damage by Tenants included (Subject to referencing)
  • Trace and Access cover (up to £25,000 any one period of insurance)
  • £5m Property Owners Liability Cover
  • Loss of Rent/Alternative Accommodation  included upto 30% of Buildings SI
  • Emergency Access Cover up to £5,000
  • Replacement Locks up to £10,000 Per Incident
  • Easy “Statement of Fact” Basis of Contract
  • 90 Days Cover for Unoccupied Property

Our levels of policy cover can be compared with our other Property Owners Products “at a glance” by using our comparisons chart, available to download below along with the key Facts and Policy Wording


Rob Pountney

Managing Director, Murton Alexander Insurance

"We have used the Property Protector scheme since it first launched in 2002. Being brokers like ourselves, the underwriting team understand the problems we face, and are always sympathetic to our needs. This attitude coupled with their background in Property Management means that they are a valued partner and we would have no hesitation in recommending them to any member who has property owning clients."

Grant Ellis

Property Protector Policyholder

"I have known the team at Property Protector for many years and when my broker recommended them to me as a carrier for my personal property owners business I had no hesitation in accepting. They act with great professionalism and the service standards are first class. As a customer I have no hesitation in recommending the Property Protector product."

Steve Allwright

Director, Firth & Scott Insurance Brokers

"Firth and Scott have been placing both residential and commercial property owners business on the Property Protector Scheme since 2002. During this period we have found the underwriting staff sympathetic and flexible in meeting our clients’ needs. The policy wording in respect of unoccupied premises has proven to be an extremely popular policy benefit with our clients. When called upon, we have found the claims handling service to be proactive, efficient and fair."

Nicolas Martin

Director, Guy Penn & Company

"Since commencing using Property Protector in 2005, we have been very impressed not just with the breadth of cover (which automatically includes Accidental Damage and Terrorism), and competitive pricing but also with the excellent service we receive which results in our obtaining quotations and cover confirmations within 24 hours of request in most cases"