Landlord insurance in St Austell

St Austell sits in the heart of Cornwall's clay country, with a rental market that reaches out into villages and countryside beyond the mains gas network. Off the grid, many lets are heated by oil, and a full oil tank is a target.

Where the risks come from for St Austell landlords

Heating oil is valuable and easily siphoned, and rural and unoccupied lets are targeted for it, the tank drained overnight, sometimes damaged in the process, leaving the tenant without heat and the owner out of pocket. A leak from a forced tank adds contamination to the loss.

A St Austell example

The oil tank at a rural St Austell let is broken into and its contents siphoned off, and the forced fitting leaves oil seeping into the ground. Cover for theft of oil and for the resulting contamination meets the replacement fuel, the tank repair and the clean-up, which a bare buildings policy would not.

What landlord insurance covers

Landlord cover for a rural, oil-heated property should extend to theft of oil and to oil-pollution or contamination, on top of the standard perils, property owners' liability and loss of rent. Off-grid lets carry exposures that mains-heated ones simply do not.

Placing it in St Austell with Apex

We make sure off-grid lets are covered for the things that actually happen to them, oil theft and leaks among them. Apex arranges St Austell and rural Cornish lets through one named contact. Regulated by the FCA; established 2009.

Related

• Commercial property insurance St Austell
• Business insurance St Austell
• Public liability insurance St Austell