Landlord insurance in Harrogate

Harrogate is a genteel Yorkshire spa town of Victorian and Edwardian villas, many divided into flats or let whole to professionals, often with mature gardens and grand old boundary walls. Those grounds carry a liability most landlords overlook.

Where the risks come from for Harrogate landlords

A landlord's duty of care extends beyond the front door to everything on the property: the trees, the walls, the paths. An old boundary wall that collapses, or a limb from a mature tree that comes down on a car or a passer-by, becomes the owner's responsibility.

A Harrogate example

A large Victorian let has a mature tree in its front garden. In a summer storm a heavy limb falls across the pavement and onto a parked car, and a claim follows for the damage. Property owners' liability meets the third-party costs, which a buildings-only policy would never have touched.

What landlord insurance covers

Property owners' liability is the cover that answers for injury or damage the property causes to other people or their belongings, from a falling wall to a slip on an icy path. It belongs on every landlord policy, beside buildings cover and loss of rent, and matters most where grounds and boundaries are substantial.

Placing it in Harrogate with Apex

We set liability limits to match the property and its surroundings rather than defaulting to the lowest option, which for a villa with grounds is a real distinction. Apex places Harrogate lets through one contact and a choice of insurers. FCA authorised, broking since 2009.

Related

• Commercial property insurance Harrogate
• Business insurance Harrogate
• Public liability insurance Harrogate