Landlord insurance in Thornbury

Thornbury is a small South Gloucestershire market town turned Bristol commuter base, its lets mostly comfortable family houses with garages, sheds and outbuildings. Those outbuildings hold more of value than owners often realise, and they are the weak point for theft.

Where the risks come from for Thornbury landlords

Detached garages and outbuildings are less secure than the house and often full of valuable items, tools, bikes, garden and sports equipment, some the landlord's, some the tenant's. A break-in to an outbuilding can be quiet and quick, and standard cover for detached structures is easy to overlook.

A Thornbury example

The detached garage of a Thornbury let is broken into overnight and cleared of the landlord's supplied equipment and the tenant's belongings, with damage to the door and structure. Cover that includes outbuildings, for both theft and the damage, meets the loss, where a policy covering only the main house would not.

What landlord insurance covers

Buildings and contents cover should extend to garages and outbuildings, not just the main dwelling, with theft and damage included and the structures allowed for in the sums insured. Property owners' liability and loss of rent complete the cover a Thornbury let needs.

Placing it in Thornbury with Apex

We make sure the whole property, outbuildings included, is described and covered, so a garage break-in is a claim rather than a gap. Apex arranges Thornbury lets through one named broker. Regulated by the FCA; established 2009.

Related

• Commercial property insurance Thornbury
• Business insurance Thornbury
• Public liability insurance Thornbury