Landlord insurance in Cambridge

Cambridge's rental market is driven by its university, its colleges and its booming tech sector — high-value period houses, professional and academic flats, and student lets, in a city where property values and rebuild costs run well above the average.

Where the risks come from for Cambridge landlords

For a Cambridge landlord the quiet exposure is under-insurance — the reinstatement cost of a period or high-value property is easily understated, and a buildings sum insured set too low sees a claim cut back by the average clause just when it is needed most. Escape of water and student turnover sit alongside.

A Cambridge example

A landlord's period let suffered serious fire damage, and the buildings sum insured — set years earlier and never revisited — fell well short of the true rebuild cost; the settlement was reduced accordingly, leaving a shortfall the landlord had to fund. Setting sums insured correctly is the lesson.

What landlord insurance covers

For a Cambridge let, buildings cover set to a genuine, current reinstatement value is the part that matters most, with loss of rent and property owners' liability alongside. Malicious and accidental tenant damage and contents for furnished lets can be added.

Placing it in Cambridge with Apex

As an FCA-authorised broker (724952) broking since 2009, Apex arranges Cambridge landlord cover through a named contact. With more than 30 markets and Lloyd's via wholesale channels, a broker can help set the buildings sum insured to a real rebuild cost, not a guess.

Related

• Commercial property insurance Cambridge
• Business insurance Cambridge
• Public liability insurance Cambridge