Landlord insurance in Maidenhead

Maidenhead is affluent Thames-side Berkshire, a fast-Crossrail commuter town of high-value homes, some with pools, large grounds and outbuildings. Those features lift the rents and, with them, a liability exposure most landlords underestimate.

Where the risks come from for Maidenhead landlords

A let with a swimming pool, extensive grounds or a private drive carries a heightened duty of care, a guest or tenant injured at a poolside, a child hurt in the grounds, an accident on the property all point back to the owner. High-value homes also mean higher potential injury settlements.

A Maidenhead example

A visitor to a high-value let with a garden pool slips on wet paving and is seriously injured, and a substantial liability claim follows against the owner. Property owners' liability meets the injury settlement and the legal costs, an exposure with nothing to do with the building's own fabric but potentially the largest claim a landlord faces.

What landlord insurance covers

Property owners' liability, set at a limit that reflects the property and its features rather than the default minimum, is the cover that answers for injury to third parties. For a high-value let it belongs alongside full buildings and contents cover set to the real specification, and loss of rent.

Placing it in Maidenhead with Apex

We size the liability limit to the property, pools, grounds and all, rather than leaving it at a token figure, which for Maidenhead stock is a real distinction. Apex arranges high-value lets through one named broker and insurers comfortable with them. Regulated by the FCA; established 2009.

Related

• Commercial property insurance Maidenhead
• Business insurance Maidenhead
• Public liability insurance Maidenhead