Landlord insurance in Bournemouth

Bournemouth's rental market is shaped by its university and its coast — student HMOs, professional flats, holiday and short-term lets, and the retirement flats that also feature in the town's varied stock.

Where the risks come from for Bournemouth landlords

For a Bournemouth landlord letting to students, the exposure that recurs is end-of-tenancy damage and turnover — a shared house returned in poor condition each summer, with reinstatement and a re-let void before the next intake. Escape of water in purpose-built blocks and coastal storm sit alongside.

A Bournemouth example

A landlord's student HMO was handed back at the end of the academic year with damaged fittings, ruined carpets and holed walls across several rooms; tenant-damage cover met the reinstatement, and loss of rent covered the void before the next tenancy began.

What landlord insurance covers

For a Bournemouth student let, malicious and accidental tenant damage sits alongside buildings cover at reinstatement value, loss of rent, and property owners' liability, with the policy written to recognise HMO use. Contents for furnished lets and unoccupied cover can be added.

Placing it in Bournemouth with Apex

As an FCA-authorised broker (724952) broking since 2009, Apex places Bournemouth landlord and HMO cover through a named contact. With more than 30 markets and Lloyd's via wholesale channels, student-let and HMO risks are written properly rather than declined.

Related

• Commercial property insurance Bournemouth
• Business insurance Bournemouth
• Public liability insurance Bournemouth