Landlord insurance in York

York is a walled medieval city on the Ouse and the Foss, and it floods, regularly and sometimes severely, as the winter of 2015 showed. Where that floodwater meets the city's historic and listed buildings, two difficult claims become one.

Where the risks come from for York landlords

A flood in York often affects old, listed or conservation-area property, and reinstating a historic building after flooding is slower and costlier than a modern one, needing traditional materials, specialist skills and consents. Flood and heritage together stretch both the repair and the time a let stands empty.

A York example

A listed riverside let in York floods, and the reinstatement must use lime plaster, matching timber and traditional finishes under conservation rules, taking many months. Flood cover on a proper reinstatement basis meets the specialist repair, and a long loss-of-rent period carries the extended void that heritage work demands.

What landlord insurance covers

For a historic property in a flood area, buildings cover must combine flood protection, like-for-like heritage reinstatement, and a loss-of-rent period long enough for slow, consented repairs. Property owners' liability and the standard perils sit alongside, with both the flood risk and the listing declared.

Placing it in York with Apex

Flood-exposed heritage property is a double specialism, and we place it with insurers fluent in both. Apex arranges York's listed and riverside lets through one named broker. FCA authorised; established 2009.

Related

• Commercial property insurance York
• Business insurance York
• Public liability insurance York