Landlord insurance in Inverness

Inverness is the gateway to the Highlands, and its lettings reach well beyond the city into remote cottages let to tourists through the season. Distance and the long off-season shape the risks a landlord here carries.

Where the risks come from for Inverness landlords

A rural holiday cottage often stands empty through the winter, far from the nearest neighbour, and a problem, whether a break-in, a burst pipe or storm damage, may go undiscovered for days or weeks. Remoteness turns a small incident into a large one.

An Inverness example

A Highland holiday cottage is closed up for the winter. A window is forced during a break-in, and with no one visiting, the weather gets in and damages the interior over the following fortnight before the owner's next visit. Cover written for an unoccupied holiday property meets the theft, the damage and the making-good.

What landlord insurance covers

For a seasonal rural let, the unoccupancy terms are everything: how long the property may be empty, and what must be done to keep cover live over the winter. Around that sit buildings cover, contents for a furnished cottage, and property owners' liability for guests in season.

Placing it in Inverness with Apex

We make the off-season conditions clear up front, so a winter empty period does not quietly void the cover on a remote let. Apex arranges Highland holiday and rural property through one broker and insurers who understand it. FCA authorised, broking since 2009.

Related

• Commercial property insurance Inverness
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• Public liability insurance Inverness