Fiona is a Property Investment Consultant with over 16 years of experience managing large residential portfolios. She specializes in Landlord Insurance, focusing on rent guarantee, malicious damage by tenants, and HMO compliance. Fiona currently helps investors protect their yield by ensuring their insurance matches their specific tenant profile.
Fiona Campbell began her career as a letting agent before building her own portfolio of buy-to-let properties across the UK. She learned the hard way that standard home insurance is wholly inadequate for rentals, having navigated claims for cannabis farms, tenant abandonment, and severe water damage in empty properties. This experience drove her to become an expert in the niche field of Landlord Insurance. Fiona advises on the specific requirements for Houses in Multiple Occupation (HMOs) and student lets, where local council licensing and insurance conditions often conflict. She is an authority on 'Loss of Rent' cover and 'Alternative Accommodation' for tenants, helping landlords maintain cash flow during major repairs. Fiona also educates landlords on the critical difference between 'buildings' and 'contents' in furnished vs. unfurnished lets, and the necessity of public liability cover for injury claims by tenants. Her pragmatic advice helps accidental landlords and seasoned investors alike navigate the 'void period' rules and ensure their assets remain protected during tenant transitions.