Find a specialist property insurance broker
Property cover is priced on construction, occupancy, location and claims history. CoverBroker matches you with a broker who places property risks daily, so your renewal is negotiated properly instead of auto-renewed.
Free, no obligation — you don't pay a fee to be matched.
How we match your property risk
The right property insurance broker depends on your building and how it's used. When you submit an enquiry we ask about your property, sums insured and claims history, then match on the criteria below.
Building type and use
Commercial, residential, mixed-use or owner-occupied — we match you with brokers who place your building type daily.
Rebuild and sums insured
Brokers who size cover to a proper reinstatement valuation, not a default market figure that leaves you underinsured.
Construction, age and location
Underwriters load on construction type, age, flood and subsidence exposure. The right broker presents these accurately so the price holds.
Business interruption and claims
Brokers who arrange business interruption and frame your claims history honestly for the right underwriter.
Your documents are safe
Upload your current property policy schedule, statement of fact or renewal invitation. Here is exactly how they are handled.
Secure storage
Your property insurance documents are encrypted at rest and shared only with your matched broker.
GDPR-ready
UK & EU data protection. You can delete your documents at any time.
No obligation
Free to use. If the broker cannot improve on your current terms, you simply stay where you are.
Property insurance questions
- What does commercial property insurance cover?
- Commercial property insurance covers the building against fire, flood, storm and other perils, and can extend to contents, loss of rent, property owners' liability and terrorism cover. The most common mistake is insuring for market value instead of rebuild cost — a property insurance broker arranges cover on the correct reinstatement basis so a claim pays out in full.
- What is a property insurance broker?
- A property insurance broker specialises in placing cover for buildings and their contents — commercial property, residential portfolios, owner-occupied premises and high-value homes. They approach the insurers and Lloyd's markets that price property risk on construction, occupancy, location and claims history, many of whom don't appear on comparison sites.
- Why use a property insurance broker instead of a comparison site?
- Property premiums load on the detail: rebuild cost, construction type, age, occupancy, security, flood and subsidence exposure, and sums insured. A broker who places property risks daily presents your building accurately to the right underwriter and negotiates business interruption and contents cover a comparison site under-prices by default.
- Do I need a property insurance broker if I own one commercial unit?
- Even a single unit can be underinsured if the rebuild cost and business interruption sum are wrong. A broker sizes the cover to a proper valuation and the real risk, rather than a default figure that leaves you short at claim time. For portfolios, a broker is almost always cheaper and better than per-property comparison quotes.
- What documents help a property insurance broker quote accurately?
- Your current policy schedule, statement of fact and renewal invitation. If you have them, a reinstatement valuation, a schedule of properties and a claims history summary help too. Upload whatever you have — your matched broker will tell you if anything else is needed.
- Is the introduction and AI review free?
- Yes. The introduction to a specialist property insurance broker and the optional AI review of your current policy are both free. If a broker takes your enquiry forward, they may pay us a referral fee.
Looking for a related specialist? See our landlord insurance broker and commercial insurance broker pages.
Get a property insurance broker quoting on your renewal
Upload your schedule or statement of fact and we'll introduce you to a specialist property insurance broker — with an optional free AI review of your current cover.