Landlords
Support for Landlords
Make Sure Your Landlord Insurance Actually Adds Up
Smart Valuations for Smarter Landlords
When you’re a landlord, every property is an investment, and every insurance policy needs to pull its weight when things go wrong. But here’s the catch: a policy is only as good as the sum insured. If the rebuild cost is underestimated, you could be left footing the bill when you least expect it. Avoid the shortfall - because even great cover won’t help if it’s based on the wrong numbers. That’s where Exactum comes in.
We help landlords take the guesswork out of rebuild cost valuations with reports that reflect the real-world risk, not rough estimates. From single buy-to-lets to large portfolios and mixed-use buildings, our RICS-backed assessments are fast, accurate, and easy to action. No gaps. No jargon. Just solid cover that actually covers. We keep things simple, so you can protect your investment with confidence and sleep better at night.
Why Landlords Work with Exactum
- Avoid underinsurance: You don’t want to find out you’re 30% underinsured after a fire.
- Fast reports, fair price: Rebuild assessments without red tape or inflated costs.
- Compliant & credible: RICS-compliant and trusted by brokers, agents, and insurers alike.
- No hassle: Our team liaises directly with tenants or agents if needed. You stay in the loop, without having to lift the phone every 10 minutes.
Four Ordering Options – Tailored for Landlords
- Commercial Desktop Report.
Ideal for landlords of offices, retail units, or mixed-use buildings. Fast, affordable, and fully remote. - Domestic Desktop Report.
Perfect for standard houses, flats, or HMO properties. We use advanced data sources—no tenant disruption, no on-site access needed. - Commercial Site Survey.
For complex properties, larger commercial assets, or older buildings needing a thorough inspection. Our surveyors handle everything. - Domestic Site Survey.
Best for unusual residential buildings, heritage homes, or where a desktop just won’t cut it. We coordinate directly with tenants or agents to keep it hassle-free.
Cover That Covers When It Counts
You might have the right policy. You might even have the right insurer. But if the rebuild cost is off by 20%, 30%, or even 50%, that protection falls apart when you need it most. The average UK property is underinsured by £50,000 or more-often because of out-of-date valuations or guesswork at renewal.
This is where many landlords (even experienced ones) get caught out. If a fire, flood, or structural issue occurs, insurers may apply the Average Clause, leaving you to cover the shortfall. Worse still, overestimating the rebuild cost can mean years of inflated premiums, quietly eating into your yield.
Exactum removes that uncertainty. We give you a clear, defensible, RICS-compliant rebuild figure, so your insurance actually reflects the cost of putting things right. Whether you're insuring a flat, a terrace, a commercial unit, or a full block of properties, accuracy matters. And we've built our service to make it easy.