Residential and investment property cover built around your asset portfolio and risk profile.
For most households and investors, the home is the single largest asset on the balance sheet. The exposures attached to it — fire, weather, theft, liability, alternative-accommodation costs — can exceed standard cover limits when they arrive together, which they often do.
OceanMind places residential and investment-property cover sized to actual replacement cost and real-world asset mix, from single dwellings through landlord portfolios and high-value households.
The physical structure — walls, roof, fixtures, boundary walls, pools, and outbuildings — against fire, storm, theft, and accidental damage.
Everything inside the home — furniture, appliances, clothing, electronics — on a replacement-cost basis.
Jewellery, watches, laptops, cameras, and bicycles covered worldwide, not just at home.
Protection if a visitor is injured on your property or your dog bites someone.
Landlord cover for rental properties — buildings, loss of rent, and tenant-related liability.
Specific cover for the two most common household claims, often with low or no excess.
Residential cover sized to actual rebuild cost, with realistic contents valuation — not a guess from five years ago.
Single-property and portfolio landlord cover including loss of rent and tenant damage extensions.
Specialist cover for homes with art, wine, jewellery, or design features that standard policies won't respond to properly.
We analyse your risk profile in depth — exposures, loss history, contractual obligations, and strategic priorities — so the placement reflects your actual business, not a template.
We structure and negotiate terms across our panel of domestic and international insurers, selecting wordings and limits calibrated to the specific risks identified.
Through the life of the programme we manage renewals, mid-term changes, and claims — acting on your behalf in every conversation with the insurer.
Replacement cost is rebuild cost — not market value or purchase price. Most underinsured buildings are underinsured because owners confuse the two. We run a current-cost calculation using building rates per square metre and factor in site-specific complications like access, finishes, and heritage requirements.
Usually yes under standard buildings cover, but excesses and limits vary widely between insurers. Because these are the two most common household claims, the fine print here matters more than almost any other wording.
Standard contents cover usually excludes items once they leave the property. A portable-items (all-risks) extension covers them worldwide, specified individually for high-value pieces or as a sum for general items.
Personal cover generally excludes business property and business-related liability. A small home-business extension or a separate commercial policy is typically needed — we scope this based on what the business actually does.
If your rental property becomes uninhabitable after an insured event (fire, storm), loss of rent cover pays out monthly income while repairs happen. For any property carrying a bond, this is usually essential.
A named advisor will walk through your current cover, flag likely gaps, and outline where the market is pricing competitively.