Landlord insurance in Brighton

Brighton has one of the south's busiest rental markets — two universities driving heavy student and HMO demand, professional flats and the Regency and Victorian conversions that make up much of the city's characterful but demanding stock.

Where the risks come from for Brighton landlords

In Brighton's student HMOs and multi-let conversions, fire is the exposure that carries the highest stakes — multiple occupants, shared kitchens, older wiring in converted buildings, and the licensing obligations that go with them. Escape of water and student turnover sit alongside.

A Brighton example

A landlord's converted HMO suffered a fire that began in a shared kitchen and spread through the building; several tenants were displaced, the reinstatement was major, and loss of rent covered the void across the property while it was rebuilt. Buildings and loss-of-rent cover carried it.

What landlord insurance covers

For a Brighton HMO or conversion, buildings cover at reinstatement value and loss of rent sit with property owners' liability at the core, the policy written to recognise multi-let use. Malicious and accidental tenant damage and contents for furnished lets can be added.

Placing it in Brighton with Apex

Apex places Brighton landlord and HMO cover as an FCA-authorised broker (724952), broking since 2009. With more than 30 markets and Lloyd's via wholesale channels, student-HMO and conversion risks are placed with insurers who write them rather than shy from them.

Related

• Commercial property insurance Brighton
• Business insurance Brighton
• Public liability insurance Brighton