Flat insurance - rented furnished

[weststreet]

Buildings is covered by the freeholder, contents ( if they choose to ) is dealt with by the tenant - but what about if the washing machine leaks downstairs etc. Don't i need cover for the fixtures installed ( boiler, radiators etc ) leaking ? Would it also be contents ? and any recommendations for a let flat ? Thanks in advance.

[Poppy35]

from what i understand if your boiler leaks or a radiator and causes damage you are only covered for the costs of the damage to ceilings/walls etc and not the actual cost of repair of the item that caused the leak.

[weststreet]

from what i understand if your boiler leaks or a radiator and causes damage you are only covered for the costs of the damage to ceilings/walls etc and not the actual cost of repair of the item that caused the leak.


I was more concerned about damage to the flat downstairs and them expecting to claim against me. I'm more than happy to pay for my own repairs/replacements. I'm only asking because my boiler did exactly this before ( new boiler installed now ) and it brought their ceiling down. It crossed my mind, that if say the bath gubbins did the same while the flat is let, I'd have no insurance to cover damage to downstairs flat.

[Poppy35]

well thats covered buy the buildings insurance and therefore the owners below would claim under their insurance policy.

[Paragon]

well thats covered buy the buildings insurance and therefore the owners below would claim under their insurance policy.

Exactly. The neighbours claim against their own insurance. You give the neighbours your building insurance name, address, and policy number. Tell your insurance company what has happened. Do not admit liability (I know, its irrational) but your insurance company wouldn't want to hear that you admitted to anything. The two insurance companies then argue whether it was an Act of God or not. In any case, you are out of the loop for the time being.