Landlord insurance in Portsmouth

Portsmouth is a dense island city with a large rental market of terraces, flats and shared houses. With so much older, closely-packed stock, a landlord's legal duty to keep a let fit and safe to live in is both a serious obligation and a real exposure.

Where the risks come from for Portsmouth landlords

A tenant injured or made ill by disrepair, an unsafe stair, faulty wiring, damp and mould, a defective boiler, can bring a claim against the landlord, and the law on fitness for habitation gives that claim real force. It is a liability that grows the longer maintenance is neglected.

A Portsmouth example

A tenant in a Portsmouth let is injured by a defective communal staircase that had been reported but not repaired. A liability claim follows for the injury and the landlord's failure to maintain the property. Property owners' liability meets the settlement and the legal costs, an exposure entirely separate from any damage to the building.

What landlord insurance covers

Property owners' liability is the cover that answers for injury to tenants and visitors caused by the property, including disrepair, and its limit should reflect the exposure rather than default to the minimum. It belongs on every let alongside buildings cover and loss of rent, backed by the landlord actually keeping the property in repair.

Placing it in Portsmouth with Apex

We set the liability cover to match the property and remind landlords that it works with, not instead of, keeping a let in good order. Apex arranges Portsmouth lets and HMOs through one named broker. FCA authorised; broking since 2009.

Related

• Commercial property insurance Portsmouth
• Business insurance Portsmouth
• Public liability insurance Portsmouth