St George Wharf in Vauxhall SW8 is one of London’s most sought-after residential developments. With high-value apartments, concierge services, and a prominent riverside location, it attracts professional tenants and international investors alike. However, owning a rental property in this prestigious development also requires adequate landlord insurance to mitigate financial risk and ensure full legal protection.
This guide from Fraser Bond, London’s trusted property management and compliance consultancy, explains the essentials of landlord insurance at St George Wharf—including what it covers, common exclusions, and how to avoid costly gaps in coverage.
Landlord insurance goes beyond standard buildings insurance. While the freeholder typically insures the building’s structure, individual landlords must secure policies tailored to rental activities.
Key components of a landlord insurance policy include:
Contents Insurance
Covers furniture, appliances, and fittings in furnished or part-furnished apartments.
Landlord Liability Insurance
Protects against tenant injury claims due to unsafe fixtures or property defects.
Loss of Rent
Compensates for rental income lost due to insured events (e.g. fire, flood).
Malicious or Accidental Damage
Protection against tenant-inflicted damage not covered under deposits.
Legal Expenses
Covers costs for possession proceedings, rent recovery, or disputes.
Fraser Bond works with insurance providers to source landlord-specific coverage suitable for premium blocks like St George Wharf.
Yes. The building’s insurance policy—arranged by the freeholder or managing agent (currently Rendall & Rittner)—typically covers only:
Structural components of the building
Common areas (corridors, lifts, concierge desk)
Façade and roof damage
Public liability for communal spaces
It does not cover:
Damage within your individual flat
Your contents and fittings
Tenant-caused damage or disputes
Loss of rental income
Legal defence or liability tied to your tenancy agreement
Fraser Bond advises all St George Wharf landlords to review their lease and purchase tailored landlord insurance that works in conjunction with the building’s cover.
Fraser Bond provides end-to-end advisory for rental property risk management, helping landlords:
Understand leasehold obligations and insurance exclusions
Coordinate with freeholder/managing agents to confirm building cover
Source bespoke landlord policies aligned with property type and tenancy risk
Secure additional coverage for short lets, corporate lets, or high-value furnishings
Manage claims and documentation when issues arise
We also ensure that your insurance status aligns with lettings compliance—including tenancy deposit registration, CP12, EICR, and EPC requirements—creating a fully risk-mitigated investment strategy.
St George Wharf landlords must secure their own landlord insurance to protect against tenant risks, content damage, and legal liabilities. Relying solely on the building’s master policy leaves critical areas exposed—particularly where high-value furnishings, professional tenants, and complex leasehold structures are involved.
Fraser Bond provides tailored landlord insurance advice and compliance support, ensuring your rental investment at St George Wharf is fully protected.
Visit FraserBond.com to request a policy review or book a consultation with our landlord insurance specialists.
