Landlord insurance in Birmingham

Birmingham has one of the UK's largest rental markets — extensive student areas around its universities, professional city-centre flats, and a vast stock of HMOs and terraced lets across the city.

Where the risks come from for Birmingham landlords

In Birmingham's many HMOs the exposure that stands out is fire — multiple occupants, shared kitchens and the licensing and safety obligations that come with houses in multiple occupation raise both the risk and the stakes. Escape of water and high tenant turnover sit alongside.

A Birmingham example

A landlord's licensed HMO suffered a kitchen fire that spread into shared areas; the building reinstatement was significant, several tenants were displaced, and loss of rent covered the void across the property while it was repaired. Buildings and loss-of-rent cover carried it.

What landlord insurance covers

For a Birmingham HMO, buildings cover at reinstatement value and loss of rent sit with property owners' liability at the core, and the policy must be written to recognise the HMO use rather than assume a single family let. Malicious and accidental tenant damage and contents can be added.

Placing it in Birmingham with Apex

Apex places Birmingham landlord and HMO cover as an FCA-authorised broker (724952), broking since 2009. Access to more than 30 markets, Lloyd's via wholesale channels, means HMO and student-let risks are placed with insurers who write them properly rather than declining them.

Related

• Commercial property insurance Birmingham
• Business insurance Birmingham
• Public liability insurance Birmingham