Landlord insurance in Falmouth

Falmouth faces the Atlantic across one of the world's great natural harbours, and its lettings range from term-time rooms for the university to holiday flats above the town. Everything here is insured against weather that comes off the open sea.

Where the risks come from for Falmouth landlords

Sea-facing property takes the full force of the south-westerlies, and salt-laden, wind-driven rain finds any weakness in a roof or a rendered wall. A gale that would be unremarkable inland can lift slates and drive water into a Falmouth flat in a single night.

A Falmouth example

A top-floor harbour-view flat loses ridge tiles in a February storm off the bay. Wind-driven rain gets under the roof and into the flat below through the ceiling, and the tenant is displaced while the roof and sodden plasterwork are made good. Storm and escape-of-water cover meet the repair; loss of rent covers the gap.

What landlord insurance covers

On the coast the buildings cover has to answer for storm as its headline peril, with the reinstatement figure set high enough to rebuild in a way that will survive the next one. Property owners' liability and loss of rent complete the cover, and for a holiday let, landlord's contents as well.

Placing it in Falmouth with Apex

Exposed coastal property is priced very differently by different insurers, and it pays to have a broker who knows which will take it on fair terms. Apex places Falmouth lets, term-time or holiday, through one contact and a wide market. Authorised by the FCA; arranging cover since 2009.

Related

• Commercial property insurance Falmouth
• Business insurance Falmouth
• Public liability insurance Falmouth