Landlord insurance in Basingstoke

Basingstoke's rental market is a professional-and-commuter one — modern flats and family houses let to people working in the town's business parks or commuting into London, with a steady demand that keeps voids short.

Where the risks come from for Basingstoke landlords

For a Basingstoke landlord, property owners' liability is the exposure that can bite hardest — a tenant or visitor injured by a defect in the building, a loose stair, a faulty balustrade, can bring a claim that dwarfs the year's rent. Escape of water and tenant wear sit alongside.

A Basingstoke example

A landlord faced a liability claim when a tenant was injured by a stair fitting that had worked loose in a let flat; property owners' liability cover met the claim and the legal costs of defending it — an exposure with no cap in the way a building's value has one.

What landlord insurance covers

For a Basingstoke let, property owners' liability sits alongside buildings cover at reinstatement value and loss of rent at the core of the policy. Malicious and accidental tenant damage, contents for furnished lets and unoccupied-property cover can be added.

Placing it in Basingstoke with Apex

Apex places Basingstoke landlord cover as an FCA-authorised broker (724952), broking since 2009. Access to more than 30 markets, Lloyd's via wholesale channels, means liability limits are set to the reality of letting, not left to a default.

Related

• Commercial property insurance Basingstoke
• Business insurance Basingstoke
• Public liability insurance Basingstoke