Landlord insurance in Watford
Watford is a dense London-commuter town where extensions, loft conversions and basement digs are constant, and lets sit cheek by jowl with their neighbours. A property can be damaged not by anything that happens inside it, but by the building work going on next door.
Where the risks come from for Watford landlords
When a neighbour extends, underpins or digs out a basement, the work can crack walls, disturb foundations or let in water at the adjoining let. Party-wall law governs who is responsible, but sorting out liability and getting damage repaired can be slow, and the landlord's own cover often has to respond first.
A Watford example
A neighbour's basement excavation next to a Watford let causes cracking to the party wall and settlement in the adjoining property. While the party-wall liability is pursued, the landlord's buildings cover meets the damage to their own property, so the repair is not held hostage to a dispute between neighbours.
What landlord insurance covers
Buildings cover responds to damage to the insured property, including subsidence and structural damage, whatever the external cause, which matters where neighbouring works are a fact of life. Property owners' liability and loss of rent complete the cover, and legal-expenses cover can help pursue a responsible neighbour.
Placing it in Watford with Apex
We make sure the cover responds to what happens next door as well as within, and can help with the legal side of a party-wall dispute. Apex arranges Watford lets through one named broker. Regulated by the FCA; established 2009.
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Get the right commercial cover, placed by a named broker
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