Property Protector Residential Elite is a unique property owner’s contract backed by the leading brand of Zurich Insurance.

Property Protectors’ most comprehensive property owners offering in terms of policy wording and policy features.

The policy provides cover for residential property lets for Professional, DSS and Student tenants protecting buildings, contents and loss of rent. In addition, the policy provides cover for Legal Indemnities as standard.

Elite also extends to cover a wide range of Commercial property, from shops and office to larger industrial unit and retail parks.


Key Features

  • Accidental Damage
  • Malicious Damage by Tenants
  • £5m Property Owners Liability
  • Trace and Access
  • Damage after Illegal cultivation of drugs
  • Loss of Rent/Alternative accommodation Included up to 30% of Buildings SI
  • Wide Unoccupied Wording
  • Eviction of Squatters
  • Clearance of Drains

Our levels of policy cover can be compared with other similar Property Owners contracts “at a glance” by using our comparison chart, available to download below along with the Key Facts document & Policy Wording.


If you have any questions, do not hesitate to contact a member of our dedicated underwriting team.


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"