Landlord insurance in Livingston

Livingston is a West Lothian new town of modern estates, popular with commuters to Edinburgh and Glasgow. Its housing is newer and less prone to the failures of old buildings, which shifts the everyday risk toward the tenants and their use of the property.

Where the risks come from for Livingston landlords

In a well-built modern let, the claims that recur are accidental, a tenant damages a fitted kitchen, cracks a bathroom fitting, stains or burns a worktop or floor. None of it is malicious, but the cost of putting a modern fitted interior right still lands on the landlord.

A Livingston example

A tenant in a modern Livingston flat accidentally cracks a ceramic hob and damages a run of fitted units while moving furniture. It is honest accident rather than neglect, but the repair to a matching modern kitchen is not cheap. Accidental damage cover meets the cost of making good the landlord's fittings.

What landlord insurance covers

Accidental damage cover, for both the buildings and any landlord's contents, is the addition that answers for a tenant's honest mishaps, over and above the standard fire, storm and water perils. With property owners' liability and loss of rent, it suits a modern let well.

Placing it in Livingston with Apex

We tailor the cover to the property, and for a modern let that often means adding accidental damage rather than paying for perils an old building would need. Apex arranges Livingston lets through one broker and a choice of insurers. Regulated by the FCA; established 2009.

Related

• Commercial property insurance Livingston
• Business insurance Livingston
• Public liability insurance Livingston