Landlord insurance in Chelmsford

Chelmsford's rental market is an affluent commuter one — modern flats and family houses let to professionals working locally or commuting into London, with new-build blocks a growing part of the stock.

Where the risks come from for Chelmsford landlords

For a Chelmsford landlord with flats in modern blocks, property owners' liability across communal areas is an exposure worth attention — a tenant or visitor injured in a shared stair, lobby or walkway can bring a claim well beyond the year's rent. Escape of water in newer plumbing sits alongside.

A Chelmsford example

A landlord faced a liability claim when a visitor was injured on a communal stair in a let block; property owners' liability cover met the claim and the cost of defending it — a reminder that a landlord's exposure extends to the parts a tenant does not exclusively occupy.

What landlord insurance covers

For a Chelmsford let, property owners' liability sits with buildings cover at reinstatement value and loss of rent at the core of the policy. Malicious and accidental tenant damage, contents for furnished lets and unoccupied cover can be added.

Placing it in Chelmsford with Apex

As an FCA-authorised broker (724952) broking since 2009, Apex arranges Chelmsford landlord cover through a named contact. With more than 30 markets and Lloyd's via wholesale channels, liability limits are set to the reality of letting flats in shared blocks.

Related

• Commercial property insurance Chelmsford
• Business insurance Chelmsford
• Public liability insurance Chelmsford