Aro Landlord Insurance

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Aro Landlord Insurance 

Aro is an established team of UK underwriters that distribute 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 Agents.  An MGA acts for an insurer, whilst a broker acts on behalf of the customer. MGA's will work closely with the customer to help find them a good deal, same as a broker. An MGA tends to focus on a narrow area of the insurance market, the focus for ARO is property and tradesmen. An insurance broker will normally provide products for the whole marketplace. This article will focus on the range of Aro landlord insurance products. 

Aro Landlord Insurance Brands include:

  • Aro : This is the original landlord insurance product underwritten by Allied World. HMO product maximum of 5 tenants. 
  • Willow :  This product has a higher excess, but is more flexible, with favourable rates for unoccupied properties at inception. This product is also underwrite by Allied World. HMO product maximum of 5 tenants.
  • Aro 10 :  This product is the third in the line of products and is underwritten by ERGO.  This accepts a mix of commercial, residential and HMO. With the HMO product,  a maximum of 10 individual tenants is acceptable.
ARO Landlord Insurance BrandsBuildings Sum Insured: Contents Sum InsuredLoss of Rent: Property Owner Liability
Aro£2,000,000£50,00030% Sum Insured, 24 months£2,000,000 or optional £5,000,000
Willow£2,000,000£50,00030% Sum Insured, 24 months£5,000,000 standard
ARO 10£500,000£40,00020% Sum Insured, 12 month Indemnity Period£2,000,000 or optional £5,000,000

Aro Insurance Key Principles

  • Specialise in the retail and property insurance, small business and tradesmen insurance
  • Products underwritten by "A" rated insurers
  • The management are owners of the company
  • Believe in a strong communication with their selected partners

Aro Insurance for Unoccupied Properties

This product is available under the Aro 10 brand and key risk areas covered include

Aro Insurance for Residential Landlords Key Benefits

  • Portfolio cover up to 30 properties
  • Competitive Unoccupied rates
  • Listed Buildings accepted (Grade 2)
  • Student tenants accepted
  • DSS tenants accepted

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.

How Much Aro Property Insurance Cost

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, 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 : 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.
  • Level of Cover : Like any insurance the more cover and the lower the excess the higher the policy premium
  • 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.
  • 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. 

Aro Head Office

Sackville House,
55 Buckhurst Avenue,
Kent, TN13 1LZ

Aro Contact Number 01732 783 576

Niche Providers of Landlord Insurance Include:

Products and services offered by this provider (ARO)   may change over time. Always check Ts&Cs.

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