Landlord insurance in Leamington Spa

Royal Leamington Spa is a Regency town of elegant stucco terraces, many divided into flats or let to students from nearby Warwick. Their handsome facades hide a maintenance risk that modern roofs do not have: the gutters you cannot see.

Where the risks come from for Leamington Spa landlords

Regency and Victorian terraces often drain through concealed valley and parapet gutters behind the roofline. When one blocks or fails, water does not run off the front, it backs up and soaks into the building, and the damage is well advanced before anyone spots a stain on a ceiling.

A Leamington Spa example

A concealed parapet gutter on a converted Regency terrace blocks with debris over the autumn, and rainwater tracks down the internal wall of a top-floor flat, ruining plaster and decoration in two rooms. Escape-of-water and storm cover meet the repair once the gutter is cleared, with loss of rent for the weeks the flat is out of use.

What landlord insurance covers

For a period terrace, buildings cover needs to respond to water entering through the roof and concealed gutters as well as burst pipes inside, and trace-and-access helps with finding the source. Property owners' liability and loss of rent round out the cover a Leamington let needs.

Placing it in Leamington Spa with Apex

Period conversions reward an insurer who understands how old buildings shed water, and a broker who will describe the property properly. Apex places Leamington's Regency stock and student lets through one named contact. FCA authorised, arranging cover since 2009.

Related

• Commercial property insurance Leamington Spa
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• Public liability insurance Leamington Spa