Aro Landlord Insurance
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Guide to Aro Landlord Insurance
Aro is an established team of UK underwriters that distributes their products through online brokers. Aro was established in 2011. They specialise in products for property owners, tradesmen, and the retail sector. Aro is an MGA and not a broker. MGA stands for Managing General Agent. An MGA acts on behalf of an insurer, whilst a broker acts on behalf of the customer. MGAs work closely with customers to help them find a good deal, similar to a broker. However, an MGA tends to focus on a narrow area of the insurance market. For Aro, this focus is on property and tradesmen. In contrast, an insurance broker will typically provide products for the entire marketplace. This article focuses on the range of Aro insurance products for landlords.
Aro Insurance Brands include:
| ARO Insurance Brands | Buildings Sum Insured: | Contents Sum Insured | Loss of Rent: | Property Owner Liability |
|---|---|---|---|---|
| Aro | £2,000,000 | £50,000 | 30% Sum Insured, 24 months | £2,000,000 or optional £5,000,000 |
| Willow | £2,000,000 | £50,000 | 30% Sum Insured, 24 months | £5,000,000 standard |
| ARO 10 | £500,000 | £40,000 | 20% Sum Insured, 12 month Indemnity Period | £2,000,000 or optional £5,000,000 |
Aro Insurance Key Principles
Aro Insurance for Residential Landlords Key Benefits
Aro Insurance for Commercial Properties Key Benefits
- Up to 2 million sum Insured available
- Commercial properties including: retail, catering, offices, warehousing
- Listed Buildings accepted (Grade 2)
- Commercial properties with residential element acceptable
Aro Insurance for Block of Flats Key Benefits
- Flats purpose built with concrete flooring
- Flats purpose built with wooden flooring
- Converted Buildings
- All owner occupied or Mix
- 25% of flats can be unoccupied.
MultieQuoteTime Shares Tips on getting affordable landlord insurance in 2025
The cost will depend on a number of factors, for example what elements that you choose to include and the level of cover required. For this reason, make sure you are always comparing like for like when choosing your policy provider. Comparing options should help you find the best deal based on your requirements. In general, the cost of landlord insurance will be guided by the following factors:
Location or post code
Location or post code, Properties that are located in postcodes that are linked to a higher crime rate, will pay more or have an increased excess than a similar property in a more safe area.
Unoccupied or Lived in
Type of tenancy : If you will be letting out to multiple occupants, you will need specialist HMO landlord insurance, which will be more expensive than simple Landlord insurance with single occupancy. Landlord that let to students will need student landlord insurance, which is geared to providing cover during the vacant periods.
Compulsory Excess vs. Voluntary Excess
Compulsory excess is a fixed amount set by your insurer that you are required to pay towards the cost of a claim.
Voluntary excess refers to the amount you agree to pay towards any claim you may need to make. Choosing a higher voluntary excess will, in most cases, reduce the cost of your insurance, but you will be responsible for a higher amount in the event of a claim in exchange for the lower price.
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Increase the excess
Unoccupied or lived in : Properties left empty for an extended period, with some insurance providers it can be as little as 30 consecutive days, require special cover provided by a short term unoccupied house insurance, to cover additional risk associated with an empty property.
Increase security
Claims Frequency : If you make regular claims, this will be flagged as an additional risk factor and again expect o pay more than a landlord with no or fewer claims.
How to compare landlord insurance quotes at MultiQuoteTime.co.uk
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MultiQuoteTime Ltd Does not recommend any insurance company. Services offered by this provider may change over time. Always check Ts&Cs. The information contained on this webpage is for editorial purposes only and not intended as financial advice
- Updated: 02 Jan 2025
- Reviewed by Eamonn Turley Insurance Expert