Landlord insurance in High Wycombe

High Wycombe sits in a Chilterns valley, a commuter town with a university and a rental market of shared houses and family lets. The most frequent serious claim in any of them starts in the same room: the kitchen.

Where the risks come from for High Wycombe landlords

Kitchen fires, from unattended pans, faulty appliances and overloaded sockets, are among the commonest causes of house fires, and a shared let with several tenants cooking at all hours raises the odds. A fire that starts small can still gut a room and smoke-damage a whole floor.

A High Wycombe example

A pan of oil left on the hob in a shared student house catches light, and the kitchen is destroyed before the fire is out. Smoke damage spreads through the ground floor, and the house is unlettable for two months of repair. Buildings cover meets the fire and smoke damage; loss of rent covers the void.

What landlord insurance covers

Fire is the peril landlord buildings cover exists for, and in a multi-occupied house the policy should also carry the HMO use and property owners' liability for the tenants sharing it. Loss of rent covers the weeks a fire-damaged house cannot earn.

Placing it in High Wycombe with Apex

Shared houses need cover written for how they are actually lived in, not a single-family template, or a claim can founder on an undisclosed occupancy. Apex sets High Wycombe HMOs up correctly through one broker and specialist markets. Regulated by the FCA, established 2009.

Related

• Commercial property insurance High Wycombe
• Business insurance High Wycombe
• Public liability insurance High Wycombe