Blog
Useful guidance from the Ellis David team on business, property and private client insurance.
30, 45 or 60 Days: The Unoccupancy Clause Trap in Standard Policies
Almost every standard commercial property policy contains a definition of an unoccupied building and a trigger period attached to it. Once the building has…
Do You Need a Professional Valuation for Your Contents Cover?
High value contents insurance depends on an accurate figure. Learn when a professional valuation is worth having and what happens if your contents are…
Flood and Subsidence Risk in Prime London Property
Prime London homes face flood and subsidence risk that standard cover often misses. How high value buildings insurance should respond, and what to check.
Insuring a Grade II Listed Home: What Standard Policies Miss
Standard home insurance rarely fits a listed property. Learn what listed building home insurance covers, why rebuild costs differ, and what to check before…
Residential Property Owners Insurance for Buy-to-Let Landlords
A guide to residential property owners insurance for buy-to-let landlords: what it covers, who needs it and how to avoid being underinsured.
A Guide To Non-Standard Home Insurance
Non-standard home insurance for properties that don't fit standard policies. Why specialist underwriting and broker expertise matter for high-value homes.
The Sum Insured Trap: Why Most Freeholders Discover They’re Underinsured at Claim
Most freeholders discover their block is underinsured only at claim. Learn how rebuild costs work, what common mistakes look like, and how to avoid…
Who Is Responsible For Insuring A Commercial Property?
Understand who insures a commercial property: landlord, tenant, or both. Learn how lease terms affect responsibility and what to check.
Rent Guarantee vs Loss of Rent Insurance: What’s the Difference?
Confused between rent guarantee and loss of rent cover? We explain the difference, what triggers each, and how to avoid gaps in protection.
Preserving The Past: What To Consider When Buying A Listed Property
Buying a listed property? Understand insurance, rebuild costs, planning consent and specialist considerations before you purchase with Ellis David.
Commercial Property Insurance: Common Exclusions To Keep In Mind
Understand common exclusions in commercial property, contents and liability insurance. Learn what's typically not covered and why.
8 Insurance Types For Commercial Properties
How to work out your home's rebuild cost for insurance — what to include, the common mistakes, and when you need a surveyor. Ellis…
