Landlord insurance in Northallerton

Northallerton is a North Yorkshire market town with a handsome Georgian high street and a rental market that reaches out into the surrounding countryside. Many of its lets sit among mature trees, and in a storm those trees become a risk to the building itself.

Where the risks come from for Northallerton landlords

A large tree close to a property, in the garden, on a boundary or overhanging, can come down in a gale and fall onto the roof or through a wall. Unlike a chimney or a slate, a mature tree does structural damage, and the clearing and rebuilding is a significant job.

A Northallerton example

A winter storm brings down a mature tree in the garden of a Northallerton let, and it falls across the roof, crushing part of the structure and opening the property to the weather. Storm and falling-tree cover meets the removal of the tree and the rebuilding of the roof, with loss of rent while the work is carried out.

What landlord insurance covers

Damage to the building from storm and from falling trees is a standard part of landlord buildings cover, with the reinstatement sum set to a full rebuild. Property owners' liability, for a tree that falls the other way onto a neighbour or the road, and loss of rent complete it.

Placing it in Northallerton with Apex

We make sure both sides of the tree risk are covered, damage to your property and liability for damage it causes elsewhere. Apex arranges Northallerton and rural lets through one named contact. FCA authorised, broking since 2009.

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• Commercial property insurance Northallerton
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