Landlord insurance in Ilfracombe

Ilfracombe is a steep North Devon resort town, Victorian terraces tumbling down to a harbour, and much of its lettings market is holiday accommodation rather than long-term homes. Paying guests change what a landlord here needs to insure.

Where the risks come from for Ilfracombe landlords

A holiday let sees a constant flow of people who do not know the property, on steep steps and wet decking, and it is furnished and equipped by the owner. That means more wear, more accidental damage, and a real liability exposure if a guest is injured on the premises.

An Ilfracombe example

A guest at a harbour-side holiday flat slips on a wet external stair and is injured, and a liability claim follows against the owner. At the same time the contents, the furniture, kitchen equipment and furnishings the owner provides, take steady accidental damage across the season. Holiday-let cover answers for the liability and the contents alike.

What landlord insurance covers

A holiday let needs cover written for that use: public liability for paying guests, landlord's contents for everything the owner supplies, and buildings cover that recognises the property is let commercially. A standard buy-to-let policy is the wrong basis and may not respond at all.

Placing it in Ilfracombe with Apex

Holiday and short-stay property is a distinct risk, and placing it on the right basis is the whole job, one we do through markets that specialise in it. Apex arranges Ilfracombe holiday lets through one named broker. Authorised by the FCA; established 2009.

Related

• Commercial property insurance Ilfracombe
• Business insurance Ilfracombe
• Public liability insurance Ilfracombe