LandlordZONE

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Feb, 2016

Saturday

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  1. Replies
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    Garyruk... I just had a word with my home...

    Garyruk... I just had a word with my home insurance department here (and excuse my ignorance as I generally only deal with landlords insurance) and they have said that quite a lot of the standard...
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    In a nutshell, Yes, but they are ultimately...

    In a nutshell, Yes, but they are ultimately trying to rule out the person that lets a "mate" live in his house for a few weeks that potentially isn't going to look after the property in the same way...
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    We cover loads of family/friend tenanted...

    We cover loads of family/friend tenanted properties. It is really easy to overcome...

    Our insurers have told us that the customer simply has to have a lease agreement in force (and prefereably for...
  4. As above says, take a look at my sticky (HERE...

    As above says, take a look at my sticky (HERE) as this may help.

    If you had tenant's contents insurance then this should have included tenant's liability cover which would help you in these...
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    As soon as the word subisdence is mentioned, many...

    As soon as the word subisdence is mentioned, many insurers/brokers will run away! Certainly don't bother trying to get online quotes as these will just decline any quote attempt. Speak to some...
  6. Hi Phyllis, Probably better to start a new...

    Hi Phyllis,

    Probably better to start a new thread as you query is different to the OP.

    In answer to your question, the building should be insured as a whole on one policy with all owners noted...
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    If you want landlord insurance for something that...

    If you want landlord insurance for something that isn't mainstream (i.e. something other than a house let to a single working family) you will need to speak to a landlord insurance broker. You could...
  8. This is a very common scenario but you will need...

    This is a very common scenario but you will need to avoid normal home insurance as this will not provide the correct cover. Just speak to a landlords insurance broker and they will provide a single...
  9. It may be worth keeping in mind that lease...

    It may be worth keeping in mind that lease agreements and insurance policies are two separate things.

    What I mean by this is that the lease agreement may say LH insures external buildings and FH...
  10. The term "professional tenant" in the context of...

    The term "professional tenant" in the context of landlords insurance simply means "working tenant". I would try and ignore the "categories" that you have been offered (and certainly don't select...
  11. In general, yes you have to inform the...

    In general, yes you have to inform the insurer/broker of a change in tenant type however we have a few landlords with us that have this same scenario and it just needs a bit of manual intervention.
    ...
  12. Like you say, accidental damage is unlikely as...

    Like you say, accidental damage is unlikely as unoccupied. The remaining 3, in my opinion, are just as likely as when occupied. Remember, malcious damage could be from people gaining access and...
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    It seems some a lot of insurers that you deal...

    It seems some a lot of insurers that you deal with directly do not have much flexibility so you might have trouble with a HMO. A good landlord insurance broker however sees a HMO as a standard risk...
  14. Buildings insurance is very rarely affected by...

    Buildings insurance is very rarely affected by the presence / non-presence of an alarm. Obviously security features exist to protect the contents within the home so contents insurance is the many...
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    Above replies have basically covered this but...

    Above replies have basically covered this but just to confirm what should be done...

    Landlord claims on building insurance for Storm Damage to roof... Tenant claims on car insurance for damage to...
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    This does seem to be a pretty standard...

    This does seem to be a pretty standard requirement for this type of cover. Your broker should have made you aware of this before cover was taken out or at least given access to documentation about...
  17. Well we have access to Zurich Insurance and their...

    Well we have access to Zurich Insurance and their Residential Property Owners scheme that happily provides landlords buildings and contents insurance along with property owners liability. Have you...
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    The common thing we see from customers in your...

    The common thing we see from customers in your scenario is that they will take out a minimum contents only policy (£5k-£10k contents) that includes liability cover. Most of them don't seem interested...
  19. We provide both public liability insurance and...

    We provide both public liability insurance and landlords insurance in our office and everytime we get asked about a separate standalone public liability policy for a property owner, we point the...
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    If "fire" is related to the tenant's farming...

    If "fire" is related to the tenant's farming activities then this would be part of the tenant's insurance. However, if there is a third party (i.e. member of the public) that causes a fire on the...
  21. Sorry, I do try to read and answer all insurance...

    Sorry, I do try to read and answer all insurance threads where possible but this one missed me first time round...

    It seems your set up is a little more complex that just a Freeholder/Leaseholder...
  22. Excellent! Sounds much more like it - well done!

    Excellent! Sounds much more like it - well done!
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    If you have one lease agreement in place then...

    If you have one lease agreement in place then this figure does seem quite high based on the prices I see quoted to customers for this sort of policy but obviously it all boils down to the cover being...
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    A quick Google search of "landlord boiler cover"...

    A quick Google search of "landlord boiler cover" brings up a few options but the cover and price each one provides is about the same. Probably not worth your time looking around unless there was...
  25. All of our buildings insurance policies include...

    All of our buildings insurance policies include "loss of rent or alternative accomodation" cover. I would assume (i.e. hope) that the buildings cover you have in force has this cover also.

    This...
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