Business Details
16 Years
experience
Trusted Property Insurance Solutions in the UK
The Property Insurer is a UK-based insurance brokerage established in 2010, specialising in property and land liability insurance. We operate under FCA regulation (Firm Reference Number 615253) and maintain a 4.9-star rating on Feefo based on over 1,000 customer reviews. Our expertise covers challenging insurance cases including thatched properties, flood-prone buildings, unoccupied homes, and commercial land liabilities. Unlike automated comparison platforms, we prioritise direct client consultation to tailor policies that meet specific needs while maintaining A-rated insurer backing.With a team of industry veterans and a commitment to same-day quotation delivery, we combine technical expertise with personalised service. Our sister brand, The Home Insurer, extends our market reach while maintaining identical service standards. We hold memberships with the British Insurance Brokers Association and offer a 14-day cooling-off period for all policies.
Services
Thatched Home Insurance
Flood Insurance
Unoccupied Insurance
Landlord Insurance
Listed Building Insurance
Renovation Insurance
Subsidence Insurance
Block of Flats Insurance
Details
- Year established: 2010
Highlights and features
- FCA regulated with Firm Reference Number 615253
- A-rated insurer partnerships for policy security
- 4.9* Feefo customer satisfaction rating
- UK-based team with direct client consultation
- Specialist coverage for challenging properties
Associations and certifications
- FCA Regulated
- British Insurance Brokers Association (BIBA)
What people say
Fast quotes
Low prices
Excellent service
Expert advice
Tailored policies
Services
Flood Insurance
Specialist flood insurance for properties in high-risk areas. Our policies provide comprehensive protection against water damage from rivers, surface water, and groundwater. We work with Lloyds of London to ensure robust coverage for both residential and commercial properties. Our team handles complex cases that mainstream insurers often decline.
Landlord Insurance
Tailored insurance for single and multiple property landlords. Coverage includes buildings, contents, and liability protection with optional legal expense add-ons. We accommodate properties with unique risks including unoccupied periods and previous claims history. Policies are available for both standard and specialist rental properties.
Thatched Home Insurance
Specialist insurance for thatched roof properties at standard rates. Our policies address the unique fire risks associated with traditional thatching materials. We provide rebuild cost coverage and offer competitive rates for both listed and modern thatched properties across the UK.
Land Liability Insurance
Comprehensive liability protection for landowners. Available from 71 annually, with coverage extending to buildings on land through Lloyds of London underwriters. We offer flexible terms for agricultural, recreational, and development land across the UK.
Unoccupied Insurance
Insurance for properties left vacant for any reason. Our policies protect against theft, vandalism, and weather damage during extended absences. We provide competitive rates for both short-term and long-term unoccupied properties, including those undergoing probate or awaiting sale.
People
Doug Phelan
Director
Insurance industry veteran with leadership experience at major brokers. Specialises in customer advocacy and policy innovation. Co-founder of The Property Insurer, driving its mission to provide fair, transparent insurance solutions.
Lorraine Mistry-Westcott
Insurance Sales Professional
Customer service expert with insurance industry experience since 2021. Focuses on improving service processes and building client relationships. Known for her personable approach to policy delivery.
Jason McClean
Director
Insurance specialist with diverse background in journalism and motorsport. Handles complex home insurance cases including thatch, flood, and subsidence. Passionate about client savings and policy solutions.
Julie Trott
Office Administrator
Detail-oriented administrator with care sector experience. Ensures operational efficiency and policy accuracy. Manages office logistics to maintain high service standards for clients.
Tom Chapman
Head of Sales
Experienced property insurance broker specialising in difficult-to-place cases. Focuses on client consultation and policy customisation. Combines insurance expertise with sports enthusiasm in client interactions.
Questions
What types of property insurance do you offer?
We provide flood, thatch, unoccupied, landlord, listed building, renovation, subsidence, and block of flats insurance, along with land liability coverage.
Can you insure difficult-to-place properties?
Yes, we specialise in challenging cases including flood-prone properties, listed buildings, and properties with previous claims or subsidence issues.
How quickly can I get a quote?
Most quotes are delivered same-day, with urgent cases prioritised. Direct phone contact ensures fastest service.
Are your policies FCA regulated?
Yes, we operate under FCA regulation (Firm Reference Number 615253) as part of Property Expert Limited.
Do you offer online policy management?
While we prioritise direct consultation, policy documents are delivered electronically for easy access and review.
What areas do you cover?
We provide insurance solutions across the UK mainland, including both residential and commercial properties.
Videos
Reviews (6)
Shaun Moloney
Dec 30, 2021
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Positive:Professionalism,Responsiveness,Value
I don't usually write reviews but an exception is needed.I have used Home Insurer for a few years now and they are a pleasure to work with, they know the market are professional and competitive...Thanks Doug
I don't usually write reviews but an exception is needed.I have used Home Insurer for a few years now and they are a pleasure to work with, they know the market are professional and competitive...Thanks Doug
Pauline Daly
Nov 01, 2021
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Positive:Professionalism,Responsiveness,Value
Excellent service from Leanne, nothing was too much trouble for her. She has a comprehensive understanding of the products as well as the current market. Can't praise her highly enough.
Excellent service from Leanne, nothing was too much trouble for her. She has a comprehensive understanding of the products as well as the current market. Can't praise her highly enough.
Craig Symon
Sep 29, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Very efficient service and saved over 400 on my Renewal Quote. Highly recommended - thanks Tom
Very efficient service and saved over 400 on my Renewal Quote. Highly recommended - thanks Tom
Paul Spencer-Longhurst
Sep 24, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Calm, polite, and very efficient service at a stressful time. I can highly recommend The Home Insurer for renovation home insurance.
Calm, polite, and very efficient service at a stressful time. I can highly recommend The Home Insurer for renovation home insurance.
Bruce Fletcher
Aug 30, 2021
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I've been working with Tom for around 5 years and have found him to be excellent. Always helpful, and able to handle more complex circumstances. Wonderful service. Highly recommended.
Jonathan Picardo
Jul 24, 2021
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Tom and his team at The Home Insurer have been providing us with a great service for our properties insurances for several years now, ensuring the best deals are reached.
