Real Estate Insurance

A specialist real estate insurance broker and insurance broker for real estate owners, real estate investors, developers, and managing agents across the UK.

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Commercial, Residential, And Buy To Let Properties

Protecting your property investments with tailored insurance solutions

Whether you are a property owner, property developer, or real estate investor managing a property portfolio, the risks you face are specific and significant. We arrange real estate insurance across commercial and residential assets, including managing agents insurance for those responsible for portfolios on behalf of others.

Our specialist team works closely with you to ensure your cover is tailored and responsive to the risks you face.

We've got you covered

As a dedicated real estate insurance broker, we provide real estate insurance for every type of property owner, from a single-building landlord to an investor managing a diverse property portfolio across multiple asset classes.

Tree Risk Management Support Commercial & Flats (1)

Commercial Property Insurance

Whether you own an office building, retail space, warehouse, or mixed-use premises, commercial property carries unique risks. From fire and flood to theft and liability claims, protecting your asset is essential.

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Residential Property Insurance

Residential properties from blocks of flats to individual homes require specialist cover to ensure landlords, freeholders, and managing agents are protected.

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Risk Management

Effective risk management helps you ensure business continuity and success. We’ve built a team and partnered with specialists to deliver solutions that minimise exposure and enhance resilience.

Alternative accommodation solutions

We’ve partnered with a nationwide provider of accommodation services for customers facing planned or emergency displacement. With a 24/7 operational model and extensive field experience, they ensure every step of the relocation process is streamlined.

Asbestos survey services

Clear conducts management surveys to identify asbestos containing materials (ACMs) within your properties. Samples are analysed by a UKAS-accredited laboratory, and findings are compiled into a comprehensive register with recommendations for safe ongoing management.

Commercial and real estate dispute management

We know that disputes, whether insured or not, can be disruptive, costly, and stressful. That’s why we partner with Mills & Reeve, one of the UK’s leading law firms, to provide specialist advice and representation in commercial and property-related disputes.

Contents inspection, repair & replacement

Insurance isn’t just about cover, it’s about recovery. When household contents are damaged, lost, or in need of specialist care, we partner with SBS Insurance Services to provide expert inspection, validation, repair, and replacement support for a wide range of items.

Escape Of Water (EOW) Assessments Home Household Water Damage (13)

Escape of Water assessments

Beyond repair bills, escape of water often leads to lost rental income, prolonged drying times, relocation expenses, business disruption, and liability issues particularly in properties with complex or poorly maintained water systems. That’s why we partner with Zurich Resilience Solutions to offer structured risk assessments.

Fire door inspection services

Clear’s internal team of fire door inspectors is accredited by the National Association of Fire Door Inspectors. We conduct regular inspections and provide clear, actionable reports that identify remedial steps to maintain compliance and safety.

Fire risk assessment services

Our accredited fire risk assessment team delivers evaluations to the PAS79 standard. Certified to BAFE SP205 and affiliated with both the Institution of Fire Engineers and the Institute of Fire Safety Managers, they assess all building types, including residential, commercial, HMOs, and high risk premises, with precision and professionalism

Flat roof inspection services

Flat roofs are a common feature in residential and commercial properties, but they often come with hidden risks and strict insurance requirements. To help you navigate these challenges, we’ve partnered with Home Repair Network to deliver professional inspection services that support compliance, protect your cover, and provide clarity before issues arise.

Health & safety consultancy services

Our chartered safety and health practitioners offer tailored guidance across your operations. Services include system audits, incident support, and monthly updates on evolving legislation and best practice, ensuring your business stays informed and compliant.

Rebuild cost assessment services

Through our partnership with RebuildCostASSESSMENT.com, a leading provider of property rebuild cost assessments (RCAs) in the UK, we can arrange accurate valuations that assist both policyholders and insurers in protecting assets and reducing the risk of claims being underpaid or delayed.

Property Home Removal, Storage, Furniture Rental (8)

Removals, storage & furniture rental services

We have partnered with The Perfect Group to offer trusted removals, secure storage and rapid furniture-rental, giving you preferential rates, priority service and a full audited record. Ideal especially after fire, flood or damage, our service helps protect your contents, reduce claim complexity and get homes habitable again.

Risk assessment services

Our team capture all the good work already in place into a recognised risk assessment format. If improvements are needed, we'll make sure they're implemented in a practical, easy-to-understand manner.

Property Surveying Services & Value Engineering (20)

Surveying & value engineering services

Whether you’re purchasing property or managing existing assets, a professional survey provides detailed insight into a building’s condition, helping to avoid costly repairs, identify potential liabilities, and ensure legal and regulatory compliance.

Tree risk management support

In partnership with Enviro Trees UK, we offer tailored inspection, risk assessment, and management services to meet the specific needs of your property. With nationwide coverage, Enviro Trees UK provides subsidence-related tree works, emergency response, risk mitigation, and routine maintenance.

Waste removal solutions

When a property suffers an insured loss, the aftermath often includes significant waste and debris, posing logistical, environmental, and emotional challenges. We’ve partnered with Crawford & Co, a specialist claims management company, who have an existing partnership with AnyJunk, a trusted nationwide provider of responsive, compliant waste removal services.

Our in-house claims team

If you need to make a claim, our friendly in-house claims team is here to guide and support you at every stage. You’ll have a dedicated claims handler to manage the process and act as your advocate, handling all communications with your insurer to help secure the best possible outcome for you.

50+ strong team of claims based staff

On average, handling over 18,000 claims per year

Experience with 44 different lines of insurance

A dedicated technical claims team

Delegated authority claims handling with some property insurers

As your real estate insurance broker, we structure every insurance programme with claims in mind, so when something goes wrong with your real estate insurance policy, you already have a team that knows your assets and your cover inside out.

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Appointed representative status

At Clear, we understand that regulation can be a minefield. Being an appointed representative can offer a solution that enables you to focus on property management and service, whilst we assist you with regulation. There are several benefits to becoming an Appointed Representative of an insurance broker, including the following:

Enhanced reputation in the industry and with your clients

Professional development

Regulatory compliance

Access to resources and support

Reduced administrative burden

Compliance support

Claims handling expertise

Let's put you in touch with a specialist

Make a call or fill in the form

Want to speak to someone?

Call this number

03330 570 115

Select your nearest office*

First name*

Surname*

Your mail address*

Your Telephone number

Your Company name

Your message*

I accept the terms of how Clear will handle my data. Read our customer Privacy Policy for more information.

Thank you for getting in touch. Your enquiry has been successfully submitted. Our team will be in touch shortly to assist you with your insurance needs.

Why Clear?

Industry-recognised for being people-first, our team of specialists supports start-ups, SMEs, corporates, multinationals and individuals.

Trade specialists

We focus on real estate and property, acting as a specialist real estate insurance broker for owners, investors, and managing agents insurance clients who need a broker that understands their specific sector risks.

Chartered status

In recognition of our commitment to maintaining the highest standards of knowledge, ethical practice and guidance.

Exceptional service

We're dedicated to providing exceptional customer service to respond proactively to the needs of our clients.

Useful Resources

Are you correctly insured?

Airbnb? Leaseholders beware!

Becoming an Appointed Representative

Blocks of flats Risk management

Buildings Declared Calue And Sum Insured

Buildings Declared Value and Sum Insured

Chartered insurance brokers

Confidential audit

Directors and Officers Insurance for Residential Management Companies

Engineering Inspection and insurance

Enterprise Act 2016

First-tier Tribunals

Insurance for Commercial Property Owners

Insurance for Residential Property Owners

Lenders Interest

Major works to blocks of flats

Portfolio Arrangements And Cover Enhancements

Portfolio arrangements & cover enhancements

Pro’s and con’s of a portfolio with a common renewal date

The bigger picture

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Clear Real Estate is a trading style of Clear Insurance Management Limited which is authorised and regulated by the Financial Conduct Authority (FCA). Registered in England No. 3712209. Registered office: 1 Great Tower Street, London EC3R 5AA.