PROPER LANDLORD COVER.

Tailored property owners insurance from a private British broker. Off-panel rates, plain English,
one named human on the end of the line. No comparison-site nonsense.

Why bother with a broker?

Tailored Property Cover

Whether you let one flat or a row of houses, you don't need a chatbot or a person reading a script. You need a real broker who'll listen to what you've got, then build cover that actually fits.

Residential

Single dwellings, HMOs, and professional let properties.

Commercial

Retail units, offices, and industrial workspace cover.

Portfolio

Consolidated cover for landlords with 3+ properties.

Buy-To-Let

Entry-level specialist cover for first-time investors.

Why bother with a broker?

Not every landlord wants to buy insurance from a screen.

While comparison sites are quick, they rarely understand the nuances of property ownership. We provide a personal touch to ensure your investment is truly protected.

Tailored Cover

Built around the property, tenant type and how you actually let.

Market Access

Insurer markets beyond price comparison sites.

Claim Support

We advocate when things go wrong, and hold your hand during the process.

Complex Risks

HMOs, listed buildings, unoccupied periods, prior claims.

The grown-up
in the room.

OUR COVER

Comprehensive
market-leading cover.

We build policies that protect more than just the bricks and mortar
. Your rental income, your liabilities, and the unexpected.

01 Buildings Insurance

02 Loss of Rent

03 Property Owners Liability

04 Legal Expenses

05 Accidental Damage

06 Employers' Liability

07 Alternative Accommodation

08 Landlord Contents

Can't see the cover you need? Don't worry. Speak to one of our brokers or request a quote, and we'll help find the right policy for your property and circumstances.

How It Works

From Enquiry To Cover In Place.

01 Tell us about your property

A short conversation about the property, tenants, and any details that could affect the cover.

02 We compare suitable options

A specialist broker reviews your needs and approaches the right markets for your risk.

03 Choose tailored cover

We explain the recommended options in plain English, then support you through setup, changes, claims, and renewal.

Why Spencer Hayes Group

A proper broker,
still here, still human.

Commercial specialists

Our roots are in complex commercial insurance, landlords benefit from that depth.

Privately owned

No shareholders to please. Decisions made for clients, not quarterly targets.

Long client relationships

Many clients have been with us for decades. We earn the renewal every year.

Experienced team

Years of collective broking experience across the team.

Tailored advice

Not one-size-fits-all. Every policy is built around the actual risk.

Claims advocacy

When you claim, you call us and we fight your corner with the insurer.

We cover
landlords like you.

No matter your situation, we have a solution.

"I own one buy-to-let property"

Simple, straightforward cover to protect your single investment property against damage and liability claims.

"I have a mixed portfolio"

Consolidate multiple properties, residential, commercial, and unoccupied. Under one manageable policy.

"My property has commercial tenants"

Specialist advice to ensure your commercial building is adequately covered, factoring in tenant activities.

Client voices

Trusted by hundreds of UK landlords
and property owners

T

Tzali Stern

We used Spencer Hayes for our insurance policy, and his service was outstanding, from speed to efficiency, would highly recommend

N

Nat Wainwright

Spencer Hayes Group are fantastic! Special commendation goes to Marc who support with our Head Office and Network Partner Accounts. No query is ever too big or too small, they deal with everything as a priority. They share updates and great ideas with us without being asked too and they take time out of their days to help and support their clients whatever their needs. The operational time they have given back to me just in being approachable to reach out and ask questions or to handle situations for me has been invaluable. I highly recommend them!

E

Edward Wynn

I really can't fault their approach, integrity and knowledge of the insurance market. They took a thorough approach to reviewing and ascertaining needs and went away to come back with well thought out recommendations. All queries where dealt with quickly and easily and they saved me money! Strongly recommend.

M

Murray Kettle

Exceptional service and good rates. When the company insurance requirements were handed over to me I fully expected to be able to switch and save money. Comparisons were comparable so I stayed and after one and a half years now I am so pleased I did. The service has been exceptional. This is how insurance should be.

D

Danny Clayton

Spencer Hayes is a fantastic insurance company. Many times I get calls from companies trying to sign me up but they do not have the experience and expertise as Spencer Hayes. Highly recommended.

S

Satish Umeria

I was highly recommend by my existing insurance company to get a quote from Spencer Hayes as they could not get a competitive price, Mr Mike Kirker at Spencer Hayes dealt with my requirements for cover in a very Highley professional manner and got the best quote. Responce and communication by email were fast and respond time at a very high level. Regards. Satish.

Common questions

Before you buy or renew

What is landlord insurance?

Landlord insurance is specialist property cover for owners letting a home to tenants. It typically combines buildings cover, property owners' liability, and optional protections like loss of rent and legal expenses.

Do I need landlord insurance if I already have home insurance?

Yes. Standard home insurance generally excludes properties let to tenants. A landlord policy is built around tenanted occupancy and the additional liabilities that come with it.

Can you insure multiple properties?

Yes — portfolio cover consolidates several properties under a single policy and renewal date, often with sharper rates than individual policies.

Do you cover commercial landlord properties?

We do. Property owners insurance for shops, offices, industrial units and mixed-use buildings sits alongside our residential broking.

Can I get cover if my property is unoccupied?

Often yes. Unoccupied property is treated as a higher risk, but we have access to specialist markets that quote where mainstream insurers won't.

Can landlord insurance include loss of rent?

Yes — loss of rent cover protects the income you'd lose if the property becomes uninhabitable following an insured event.

Is property owners' liability included?

Almost always. Most landlord policies include property owners' liability cover; limits and exclusions vary by insurer.

Can I speak to someone before buying?

That's the entire point of using us. Every quote runs through a real broker on the phone — not a chatbot.

Protect the property and
the income behind it.

A private broker for landlords. Tailored property owners insurance, with rates you won't find on a comparison site.

Paid marketing & page design by growmyinsurance.com

Talk to a broker

01617110304

Mon–Fri, 9am–5:00pm