Landlord insurance in Sheffield

Sheffield is built across steep hills, and many of its Victorian terraces and converted lets sit on ground held in place by retaining walls, in gardens, along boundaries, beneath the property itself. Those walls are doing more work than most landlords realise.

Where the risks come from for Sheffield landlords

On a hillside, a retaining wall holds back tonnes of earth, and when an old one bulges or collapses, particularly after heavy rain, it can take part of a garden, a drive or even the ground beneath the building with it. Rebuilding a structural retaining wall is a serious, costly job.

A Sheffield example

A tall retaining wall below a Sheffield hillside let fails after a wet spell, and the ground behind it slips, undermining the garden and threatening the rear of the house. Where the policy covers retaining walls and ground movement, the rebuilding and stabilisation are met, rather than the owner facing the bill alone.

What landlord insurance covers

Buildings cover on hillside property should explicitly include retaining walls and ground movement, which some policies limit or exclude, alongside the standard perils. Property owners' liability and loss of rent complete the cover a Sheffield let needs.

Placing it in Sheffield with Apex

We check that walls and ground works are actually covered, because on Sheffield's hills they are a real and expensive exposure. Apex arranges hillside and terraced lets through one named broker. Regulated by the FCA; established 2009.

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