Residential Landlords

Residential Landlords

Available under three ARO brands:

Underwritten by Allied World, this is Aro’s original residential landlord product.

Underwritten by Allied World, this is an alternative residential landlord product with a higher excess and differential pricing.

Underwritten by Ergo, Aro Ten is the 3rd residential product which expands the footprint to include mixed residential/commercial, HMO and more preferential terms on areas not covered under the other two brands.

For risks:

  • Which are either purpose built blocks or conversions
  • Which are comprised of up to 10 flats
  • Which are 5 stories
  • Which are managed by Residents Associations, Residents Management Companies, RTM Companies and Freeholders
  • Up to 30 properties per portfolio

ARO Key Benefits

  • We offer Buildings only, Contents only or Building and Contents combined.
  • Backed by ‘A’ rated capacity
  • Competitive Unoccupied rates
  • Student tenants accepted
  • DSS tenants accepted (Where the tenancy agreement is direct between the tenant and the landlord)
  • HMO (up to 5 individual tenants) allowed (SINGLE RESIDENTIAL ONLY)
  • Listed Buildings accepted (Grade 2)
  • Up to 50% Flat roof allowable without referral
  • Market-tested Products with over 100,000 policyholder

What is Covered

Buildings Sum Insured: £2,000,000, Contents Sum Insured: £50,000, Loss of Rent: 30% Sum Insured, 24 months, POL: £2,000,000 or optional £5,000,000 

Minimum Premiums

Buildings Only £100 +IPT + £25 fee, Contents Only £50 +IPT + £25 fee, Buildings & Contents £120 +IPT + £25 fee, Cover for Temporarily  unoccupied property (full cover up to 60 days on mid-term unoccupancy) Malicious Damage by Tenants is included as standard for Buildings and Contents (£2 500 each section) Temporary Accommodation/Loss of rent up to 30% of Sum Insured, as standard, with 24 months indemnity period 

Optional Cover

Optional Accidental Damage cover, Optional Legal Expense cover 

Standard Policy Excess

Standard excess £100 other than escape of water: £250, Flood £250 (Dependent upon Postcode), Subsidence excess £1,000 (Dependent upon Postcode), 

Willow Key Benefits

  • We offer Buildings only, Contents only or Building and Contents combined.
  • Backed by ‘A’ rated capacity
  • Market-tested Products
  • Competitive Unoccupied rates
  • Student tenants accepted
  • HMO (up to 5 individual tenants) allowed (SINGLE RESIDENTIAL ONLY)
  • Listed Buildings accepted (Grade 2)
  • More favourable rates for properties Unoccupied at inception
  • Up to 50% Flat roof allowable without referral

What is Covered

Buildings Sum Insured: £2,000,000, Contents Sum Insured: £50,000, Loss of Rent: 30% Sum Insured, 24 months, POL: £5,000,000 standard

Minimum Premiums

Buildings Only £100 +IPT + £25 fee, Contents Only £50 +IPT + £25 fee, Buildings & Contents £120 +IPT + £25 fee, Cover for Temporarily unoccupied property (full cover up to 60 days on mid-term unoccupancy), Malicious Damage by Tenants is included as standard for Buildings and Contents (£2 500 each section), Temporary Accommodation/Loss of rent up to 30% of Sum Insured, as standard, with 24 months indemnity period, Standard POL limit : £5,000,000

Optional Cover

Optional Accidental Damage cover

Standard Policy Excess

Standard £250, Escape of Water £250, Flood £250 (Dependent upon Postcode), Subsidence £1,000 (Dependent upon Postcode)

Aro Ten Key Benefits

  • We offer Buildings only, Contents only or Building and Contents combined
  • Standard Accidental Damage Cover on Buildings (Dependant on tenant type) (Optional on Contents)
  • Backed by ‘A’ rated capacity
  • Competitive Unoccupied rates
  • Student tenants accepted
  • DSS tenants accepted (where the tenancy agreement is direct between the tenant and the landlord)
  • HMO (up to 10 individual tenants) allowed
  • Bedsits acceptable
  • Listed Buildings accepted (Grade 2 and Grade B/B+ in Scotland/NI)
  • Up to 75% Flat roof allowable without referral
  • Up to 10 self-contained flats

What is Covered

Buildings Sum Insured: £1,000,000 (up to £3,000,000 on referral),  Contents Sum Insured: £40,000, Loss of Rent: 20% Sum Insured, 12 month Indemnity Period, POL: £2,000,000 or optional £5,000,000

Minimum Premiums

Buildings Only & Buildings & Contents £100 + IPT + £20 fee, Contents Only £75 + IPT + £17.50 fee, Cover for Temporarily unoccupied property (full cover up to 90 days on mid-term unoccupancy)

Standard Policy Excess

Standard £100, Escape of Water £250, Subsidence £1,000 (Dependent upon Postcode), Flood £250 (Dependent upon Postcode)
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