Landlord insurance in Clevedon

Clevedon looks out over the Severn estuary, a Victorian seaside town of large villas, many long since divided into flats, alongside quieter retirement lets. Its position on the water is part of its charm and part of what a landlord here has to insure against.

Where the risks come from for Clevedon landlords

The estuary funnels wind, and the older rooftops along the seafront take a beating in an autumn gale. Where a big Victorian house has been split into flats, one lifted section of roof can put water into more than one home at once, and the owner carries the repair and the lost rent.

A Clevedon example

A seafront villa converted into three flats loses a run of slates in an October storm off the estuary. Rain gets into the top-floor flat overnight, the ceiling comes down, and the tenant has to be rehoused while the roof and plaster are made good. Buildings cover meets the repair; loss-of-rent cover carries the empty weeks.

What landlord insurance covers

A policy here should pair full buildings cover, storm, escape of water, fire and the rest, with loss of rent, so an unlettable flat does not become an unpaid mortgage. For a converted house, property owners' liability across the communal stairs and entrance matters as much as the flats themselves.

Placing it in Clevedon with Apex

We place converted and multi-flat property as a single, properly-described risk rather than forcing it through a one-size buy-to-let form. Apex draws on 30-plus insurer markets to match a Victorian conversion to an insurer that understands it, and one broker stays with the account. Authorised and regulated by the FCA, arranging cover since 2009.

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