Landlord insurance in Leeds

Leeds has one of the country's largest student rental markets, much of it in shared houses across the inner suburbs. Those houses share a seasonal weakness: for weeks at a time over the holidays, they stand empty and everyone knows it.

Where the risks come from for Leeds landlords

When students go home for Christmas or the summer, whole streets of shared houses empty at once, and break-ins climb accordingly. Thieves target the tenants' belongings and the landlord's supplied contents alike, and a forced entry often does structural damage on the way in.

A Leeds example

A six-bed student house is broken into over the Christmas break while all the tenants are away. A door is forced, rooms are ransacked, and the landlord's supplied white goods and a television are taken along with damage to the door and frame. Landlord's contents and the buildings damage are covered, and the incident is dealt with before term resumes.

What landlord insurance covers

For a student HMO the policy should carry theft and malicious damage, landlord's contents for anything the owner supplies, and cover that holds up over the predictable holiday voids. Property owners' liability and loss of rent complete it, with the HMO use stated plainly.

Placing it in Leeds with Apex

Student property has its own rhythm of risk, and cover should be written around it rather than a single-family template. Apex sets Leeds HMOs up correctly and keeps one broker on the account as the tenants change each year. Regulated by the FCA, broking since 2009.

Related

• Commercial property insurance Leeds
• Business insurance Leeds
• Public liability insurance Leeds