Landlord insurance in Wells-next-the-Sea

Wells-next-the-Sea is a small harbour town on the north Norfolk coast, its quayside cottages and lets much sought after as holiday homes. Sitting between the marsh and the sea, the town lives with the tide, and the North Sea can push it far higher than usual.

Where the risks come from for Wells-next-the-Sea landlords

The east coast is exposed to tidal surge, when a storm and a high tide combine to drive the sea over quays and defences, as the surge of December 2013 did along this coast. For a quayside or low-lying let, that means salt water inside the property, arriving fast.

A Wells-next-the-Sea example

A North Sea surge pushes water over the quay and into a ground-floor holiday let, leaving salt water through the property. The strip-out, drying and reinstatement, and the loss of a season's bookings, run to a substantial claim. Flood cover, on a holiday-let basis, meets the damage and the lost income.

What landlord insurance covers

On this coast the priorities are that tidal flood is covered and at what excess, buildings cover for salt-water damage, landlord's contents for a furnished let, and loss of income for a holiday property. A realistic reinstatement period matters, as salt water does lasting harm.

Placing it in Wells-next-the-Sea with Apex

Coastal-surge property needs an insurer who will weigh the defences and the history, and cover written for how the property is let. Apex arranges Wells-next-the-Sea holiday and coastal lets through one named broker. Authorised by the FCA; established 2009.

Related

• Commercial property insurance Wells-next-the-Sea
• Business insurance Wells-next-the-Sea
• Public liability insurance Wells-next-the-Sea