Landlord insurance in Barnstaple

Barnstaple's rental market serves North Devon — terraced and family houses and town-centre flats let to local households and workers, with the tidal River Taw running through the town.

Where the risks come from for Barnstaple landlords

For a Barnstaple landlord near the Taw, flood is the exposure that dominates — a high tide behind heavy rain can put water into ground-floor flats and houses, and the building reinstatement and lost rent that follow are substantial. Escape of water and tenant wear sit alongside.

A Barnstaple example

A landlord's ground-floor flat near the quay took floodwater when a spring tide met sustained rain; the building needed drying, replastering and refitting, and loss of rent covered the months it was uninhabitable. Flood buildings cover carried it.

What landlord insurance covers

A Barnstaple landlord policy turns on buildings cover with flood, and on loss of rent sized to a realistic drying-and-reinstatement period, alongside property owners' liability. Malicious and accidental tenant damage, contents for furnished lets and unoccupied cover can be added.

Placing it in Barnstaple with Apex

Apex arranges Barnstaple landlord cover as an independent commercial broker, FCA authorised (724952) and broking since 2009. With more than 30 markets and Lloyd's via wholesale channels, a flood-exposed let near the Taw can be placed with insurers who will offer terms.

Related

• Commercial property insurance Barnstaple
• Business insurance Barnstaple
• Public liability insurance Barnstaple