Landlord insurance in Southend-on-Sea

Southend-on-Sea spreads along the Thames estuary, its long seafront backed by Victorian and interwar housing and a busy rental market. Sitting where the river meets the sea, the town carries a flood risk driven by the tide as much as the rain.

Where the risks come from for Southend-on-Sea landlords

Estuary towns face tidal flooding, a surge pushing water up the Thames and over defences and drainage, rather than a river simply bursting. For a ground-floor or seafront let, that means salt water inside the property, and salt water does more lasting harm than fresh.

A Southend-on-Sea example

A high tide and a storm surge combine to push water over the defences and into a ground-floor seafront let, leaving salt water standing in the property. The strip-out and reinstatement, and the drying of contaminated fabric, take months. Flood cover meets the work, and loss of rent carries the long void.

What landlord insurance covers

In an estuary town the first question is whether tidal flood is covered and on what excess, then buildings cover for the salt-water damage, landlord's contents for a furnished ground-floor flat, and a loss-of-rent period long enough for a flood reinstatement.

Placing it in Southend-on-Sea with Apex

Tidal-flood property needs an insurer who will look at the defences and the history rather than just the postcode, and we know who will. Apex arranges Southend seafront lets through one named broker. FCA authorised; established 2009.

Related

• Commercial property insurance Southend-on-Sea
• Business insurance Southend-on-Sea
• Public liability insurance Southend-on-Sea