Landlord insurance in Cardiff
Cardiff has a large and varied rental market — student areas around its universities, professional city-centre and bay flats, and the terraced housing of Cathays, Roath and beyond, with the Rivers Taff and Ely running through the city.
Where the risks come from for Cardiff landlords
For Cardiff landlords with property near the Taff or Ely, flood is a real exposure — the rivers and surface water have reached low-lying streets, and a flooded let means major reinstatement and a long void. Student HMO demand and escape of water in older terraces sit alongside.
A Cardiff example
A landlord's ground-floor flat near the river took floodwater after sustained rain lifted the Taff; the building needed drying, replastering and refitting, and loss of rent covered the months it stood empty. Flood buildings cover carried the claim.
What landlord insurance covers
A Cardiff landlord policy turns on buildings cover with flood for riverside stock and loss of rent sized to a real reinstatement, alongside property owners' liability. Malicious and accidental tenant damage, contents and HMO-appropriate terms can be added.
Placing it in Cardiff with Apex
As an independent FCA-authorised broker (724952) broking since 2009, Apex handles Cardiff landlord cover with one contact. With more than 30 markets and Lloyd's via wholesale channels, flood-exposed and HMO risks are placed with insurers who understand them.
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