Landlord insurance in Perth

Perth stands on the Tay, the largest river in Britain by flow, and the Fair City has a long memory of what the river can do. Its handsome stone lets are solid, but stone holds water in ways that shape a flood claim here.

Where the risks come from for Perth landlords

When the Tay floods, water can enter riverside and low-lying property and soak into thick stone walls that then take months to dry fully. The drying and reinstatement of a traditional stone building after a flood is slower and more involved than in a modern house.

A Perth example

A ground-floor stone let near the river floods after heavy rain and snowmelt swell the Tay. The water is gone in a day, but the stone walls hold moisture for months, and the property cannot be re-let until it has dried and been reinstated. Flood cover meets the work, and a generous loss-of-rent period carries the long drying-out.

What landlord insurance covers

For riverside stone property, flood cover, and a loss-of-rent period long enough to allow for slow drying, are the two things that matter most, alongside the standard perils and property owners' liability. Establishing that flood is covered at all comes first.

Placing it in Perth with Apex

We know the Tay's reputation and how to present a riverside property to insurers who will still cover it. Apex arranges Perth lets with realistic flood terms and drying-out periods, through one broker. Authorised by the FCA; established 2009.

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