LandlordZONE

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Aug, 2014

Sunday

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  1. Replies
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    This is certainly a valid point!!! I stand by...

    This is certainly a valid point!!!

    I stand by my comment but it was a brief remark that maybe needed to be read into a bit deeper, but I shall extend what I have written for clarification (or...
  2. As a broker, we deal with a whole panel of...

    As a broker, we deal with a whole panel of insurance companies. A few years back this was not a problem for any of them but I would say now that a third of them no longer cover overseas. This still...
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    Most landlord insurance brokers will have Home...

    Most landlord insurance brokers will have Home Emergency cover available as an add-on or separate policy. First point of call should maybe be your existing buildings insurer as you may be able to add...
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    You cannot insure something that does not belong...

    You cannot insure something that does not belong to you (i.e. fixtures, fittings, building, etc.), however, as a tenant you may be legally responsible for any damage to such items which will be...
  5. You're certainly not the only one renting out a...

    You're certainly not the only one renting out a timber framed property! I think the problem you may be experiencing is that all mainstream insurers and online quote websites only cater for standard...
  6. We have had a few instances here where landlords...

    We have had a few instances here where landlords insurers will insure the buildings only with it being owner occupied but it really does depend on the circumstances and if lease agreements are...
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    Visit the LandlordZONE Insurance Directory...

    Visit the LandlordZONE Insurance Directory for a list of brokers that can provide you with Landlords Insurance.

    As it sounds the Buildings is covered the next thing to consider is Contents. Fitted...
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    I'm not sure if I'm reading this right but gather...

    I'm not sure if I'm reading this right but gather your lease agreement is between you and the letting agency. The letting agency in turn put in a tenant of their choice which you have little or no...
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    We deal with two main companies for Rent...

    We deal with two main companies for Rent Guarantee Insurance. They, like every other insurer it seems, require a credit reference from a reputable/professional credit reference agency. However, one...
  10. Hi Mike, This is pretty standard for any...

    Hi Mike,

    This is pretty standard for any landlord insurance broker to help with. We and many other insurance brokers support the LandlordZONE site and are listed in the Insurance Directory. I'm...
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    A tenant could take out income protection...

    A tenant could take out income protection insurance so if they were unable to work due to illness/injury they would still be able to pay their rent. Not exactly a rent guarantee policy but the only...
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    Can't give you any advice on the company you have...

    Can't give you any advice on the company you have mentioned as I have never heard of them. You can always check the LandlordZONE Insurance Directory for insurers/brokers that are tried and tested.
    ...
  13. As long as the renovation work is not extreme...

    As long as the renovation work is not extreme (i.e. just decorating, new suites, etc.) and it is your intention to let the property after the 3 months work then any good landlord insurance broker...
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    If you have a professional report which says what...

    If you have a professional report which says what the rebuilding cost of your property is then this would be what you insure it for. It is unlikely that the insurer you spoke to is qualified to give...
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    Buildings insurance for a single flat IS possible...

    Buildings insurance for a single flat IS possible (we can offer such a policy) but it is only for when the circumstances require such cover. This doesn't take anything away from the rest of ram's...
  16. It's a tricky question to answer really. Some...

    It's a tricky question to answer really. Some people would only consider insurance "worth it" if they have a claim, others would consider it "worth it" just for the peace of mind.

    Most buildings...
  17. What we find as a broker is that you need to get...

    What we find as a broker is that you need to get a quote for both circumstances (i.e. all as separate policies and one with all properties on the same policy). In the case of 5 or less properties, I...
  18. An up to date building survey from a professional...

    An up to date building survey from a professional is the only accurate way. I appreciate it is also the most expensive way but this is ultimately the answer to your question.

    The ABI calculator...
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    I checked one of our main insurer's policy...

    I checked one of our main insurer's policy wordings and they have a section of coverage under the buildings insurance which is called "Metered Supplies Cover".

    This covers any additional water,...
  20. When we look at cases with subsidence history, we...

    When we look at cases with subsidence history, we don't have a problem with increased premiums, it is just whether the insurers will provide subsidence cover or not! If the claim isn't too drastic...
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    The builder has caused the damage so the builder...

    The builder has caused the damage so the builder is liable for the costs.

    The fact the builders public liability insurance has lapsed does not change the fact that any claim should be sent in...
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    You should tell your insurance company of...

    You should tell your insurance company of anything that may be considered a material fact (i.e. something that may affect the way the insurer sees and rates the risk they are providing cover for)....
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    The credit check will need to be from a reputable...

    The credit check will need to be from a reputable credit reference agency but the character reference can usually be obtained by you but needs to be from a satisfactory source.

    Check out the...
  24. You will probably find that most (if not all)...

    You will probably find that most (if not all) landlord insurance policies have Maintenance and Safety Requirements which will make it a condition of the policy that you comply with relevant Health...
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    Accidental damage on your insurance policy is...

    Accidental damage on your insurance policy is going to cover you for a lot more than a deposit. Who knows how much "Accidental Damage" a tenant could cause?! They could bang a nail into a wall and...
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