Landlord insurance in Hull

Hull sits low on the Humber, most of it below the high-tide line and defended by drainage rather than height. Its affordable, terrace-heavy rental market is large, and flood is the risk that defines insuring property here.

Where the risks come from for Hull landlords

Hull's flooding is not a river bursting its banks so much as tidal surge and overwhelmed drainage putting water across whole streets at once, as the city saw in 2007. For a ground-floor let, that means dirty water standing inside the property for hours or days.

A Hull example

A terraced let floods when heavy rain overwhelms the drains during a high tide, and half a metre of water sits in the ground floor overnight. Flooring, plaster, kitchen and skirtings all have to come out and be replaced over several months. Flood cover meets the reinstatement, and loss of rent carries the long void.

What landlord insurance covers

In a defended flood area the first thing to establish is that flood is actually covered, and on what excess, since it is the peril most often restricted. With that secured, buildings cover, property owners' liability and a generous loss-of-rent period give a Hull landlord workable protection.

Placing it in Hull with Apex

Flood-exposed property is where broking earns its keep, from knowing the markets to presenting the flood history and defences properly. Apex places Hull lets with insurers who will look at them fairly, through one point of contact. FCA authorised, arranging cover since 2009.

Related

• Commercial property insurance Hull
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