Introducing the Brownhill Real Estate Division
At Brownhill Insurance Group, we’ve always believed in delivering expertise where it matters most. With the property sector facing rising rebuild costs, complex regulations, and increasing claims volatility, our clients told us they needed deeper, more dedicated support.
We’re proud to introduce the Brownhill Real Estate Division — a specialist team providing tailored insurance solutions for property owners, landlords, managing agents, freeholders, and residential management companies.
Led by experienced brokers, this division brings clarity, expertise, and truly personal service to one of the most important insurance sectors in the UK.
What do we do?
We also provide solutions for unoccupied properties, where insurers often apply stricter conditions and limited cover unless managed carefully.
But the scope goes far wider.
Below is an overview of the additional covers our Real Estate team can arrange to protect clients’ assets, responsibilities, and long-term financial security.
Specialist Covers We Offer
Directors & Officers Insurance (D&O)
Property management involves decision-making that carries personal responsibility.
D&O Insurance protects directors, officers, committee members, and key decision-makers from personal financial loss if legal action is taken against them for decisions made while running a business or managing a property.
This is especially important for:
RTM and RMC directors
Managing agents
Property company directors
Landlords with limited companies
Terrorism Insurance
Terrorism cover protects property owners if a building is damaged — or access is restricted — due to a terrorist incident.
Cover can include:
Damage to the building
Non-damage business interruption
Alternative accommodation if access is prevented due to police cordons or lockdowns
Many lenders now require terrorism insurance as part of mortgage conditions, particularly for block and commercial property.
Rebuild Cost Assessments (RCA)
Underinsurance remains one of the biggest risks for property owners.
We offer both desktop (online) and site visit Rebuild Cost Assessments through trusted partners.
Desktop RCAs:
Cost between £172.50–£185
Suitable for many residential and smaller commercial properties
Site Visit RCAs:
Cost varies by location, size, and complexity
Essential for larger blocks or buildings with unusual construction
Further resources are provided by RCA and BCH for clarity and peace of mind.
Landlords Legal & Rent Guarantee
For landlords, rent arrears and difficult evictions can create significant financial strain.
This cover provides:
Legal expenses support
Rent guarantee protection if a tenant refuses to pay
A helpful document is available for those wanting a detailed breakdown of what’s included.
Loss Recovery Insurance
In the event of a significant claim (typically over £5,000), this policy gives clients access to an independent loss assessor— not the insurer — to help prepare, negotiate, and settle claims.
They work solely on behalf of the policyholder, ensuring:
Faster settlement
Fairer outcomes
Reduced stress during a disruptive period
For landlords and managing agents, loss recovery support can be invaluable.
Renovation Insurance
When major works are planned, standard property insurance may not apply.
Our renovation policies cover:
The existing structure
The works being carried out
Liability during construction
Materials and equipment on site
Ideal for extensions, conversions, structural changes, or full refurbishments.
Why Brownhill?
Architects of Peace of Mind™ isn’t just a line. It’s how we work.
With the Real Estate Division, clients benefit from:
Dedicated sector experts
A truly personal service
Direct accountability — no call centres
Tailored cover for complex multi-property portfolios
Strong relationships with leading insurers
Clear advice, delivered with care and intelligence
Whether you manage a small block, oversee a large residential portfolio, or own commercial property across the UK, we’re here to support you.
If you’d like to review your existing cover, discuss a new portfolio, or simply understand what protection you may need, our team is ready to help.
Get in touch for tailored, specialist advice.
