Landlord insurance in Kilmarnock

Kilmarnock is an East Ayrshire town with an affordable rental market and a good deal of older terraced and tenement stock. Where a property stands empty between tenants, the risk is less the weather than what people do to it.

Where the risks come from for Kilmarnock landlords

An empty let is a magnet for vandalism, broken windows, forced doors, graffiti and stripped fittings, and the longer it stands unoccupied the greater the exposure. Standard policies typically restrict cover for malicious damage and theft once a property has been empty for thirty days.

A Kilmarnock example

A terraced let is left empty while a new tenant is found. Over a few weeks it is broken into, windows are smashed and internal fittings are damaged. Because the owner held proper unoccupied-property cover rather than relying on a standard policy that had lapsed into restriction, the malicious-damage claim is met in full.

What landlord insurance covers

The key for any empty property is cover that stays intact while it is unoccupied, malicious damage, theft and the standard perils, subject to the insurer's conditions on inspections and securing the property. Property owners' liability continues to apply to the empty building itself.

Placing it in Kilmarnock with Apex

We arrange cover built for void periods rather than leaving you exposed the moment a property empties, and we flag the conditions that keep it valid. Apex handles Kilmarnock lets and voids through one point of contact. Regulated by the FCA; established 2009.

Related

• Commercial property insurance Kilmarnock
• Business insurance Kilmarnock
• Public liability insurance Kilmarnock