Landlord insurance in Stirling

Stirling pairs a historic stone city with a busy university, and much of its student lettings sit in traditional flats that empty over the long winter break. A Scottish winter and an empty flat are a combination that regularly ends in a burst.

Where the risks come from for Stirling landlords

When students go home for weeks over Christmas, their flats stand unheated in the coldest part of the year, and water left in the pipes can freeze, split a joint and then thaw, flooding the flat, and often the one below, while no one is there.

A Stirling example

A student flat in Stirling is left empty and unheated over the winter break. A pipe freezes and bursts, and on thawing pours through the floor into the flat beneath before the damage is found weeks later. Escape-of-water cover meets both flats' damage, provided the winter unoccupancy conditions, keeping heat on or draining down, were met.

What landlord insurance covers

For student flats that empty each winter, the unoccupancy conditions attached to escape-of-water cover are decisive, and meeting them is what keeps a freeze claim payable. Buildings cover, property owners' liability, landlord's contents and loss of rent sit around it.

Placing it in Stirling with Apex

We spell out the winter conditions before the break, so an empty student flat does not turn a freeze into a declined claim. Apex arranges Stirling student lets through one named broker. FCA authorised; established 2009.

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