Landlord insurance in Chard
Chard's rental market is a small rural one — older houses and flats in the south-Somerset market town, let to local families and workers, with the nearest larger centres a drive away.
Where the risks come from for Chard landlords
In older rural stock, fire is an exposure that carries weight — ageing wiring, solid-fuel and oil heating, and a slower emergency response than a town would see. Escape of water in old plumbing and the void risk of a thin local rental market sit alongside.
A Chard example
A landlord's older let suffered fire damage from a heating fault that took hold before the brigade arrived; the reinstatement was substantial, and loss of rent covered the long void while the property was rebuilt and re-let. Buildings and loss-of-rent cover carried it.
What landlord insurance covers
A Chard landlord policy rests on buildings cover at reinstatement value and loss of rent sized to a realistic rebuild, with property owners' liability alongside. Malicious and accidental tenant damage, contents for furnished lets and unoccupied cover can be added.
Placing it in Chard with Apex
Apex places Chard landlord cover as an independent commercial broker, FCA authorised (724952) and broking since 2009. Access to more than 30 markets, Lloyd's via wholesale channels, means older rural lets are placed with insurers who will write them sensibly.
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