Apex only insures the structure of the building and the fixtures and fittings for which it is responsible. Apex’s insurance does not cover loss to tenant’s property such as personal belongings, electrical items, flooring or furniture and Apex would recommend that tenants obtain contents insurance.
Like a lot of policies there will be a level of excess on claims. Ensure that you know the full details of what your policy covers. Some companies will compensate old for new items whilst other will only offer you the value of the item at that time. You should ensure that high value items such as laptops, phones and jewellery are all included in your inventory.
You should contact the emergency services immediately if there is risk to the property from fire or flooding or if you have experienced a theft. Apex will notify their insurance company. It is important that you photograph and document the damage for your contents claim.
Advice
- Shop around for quotes
- Don’t under insure your belongings
- Read the small print
- Report any loss or damage quickly
Apex Insurance
Apex insurance covers:
Kitchen replacement
Window Replacement
External door repair/replacement
Rebuilding or structural repairs
Redecoration following damage – paint only
Apex insurance does not cover:
Loss or damage to carpets, curtains or window dressings
Loss or damage to furniture
Loss or damage to household appliances
Loss or damage to wallpaper or other internal decoration
Loss of floor coverings (except wet room flooring fitted by Apex)