LandlordZONE

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Sep, 2016

Thursday

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  1. Replies
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    You could go to the LandlordZONE Insurance...

    You could go to the LandlordZONE Insurance Directory for some companies to try.
  2. There is normally a separate question which asks...

    There is normally a separate question which asks if the property has a subsidence/flood history. Even if it is not asked, you have a duty to disclose all material information that may affect the...
  3. Any decent landlords broker should be able to...

    Any decent landlords broker should be able to provide such cover. We have an online form that caters for putting an insurance policy in the name of a Trust/SIPP/Company name but others may not so...
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    This is true ram but my position as an insurance...

    This is true ram but my position as an insurance broker, I cannot condone the "don't give too much information out" part as you are obliged as a policyholder to inform your insurance company of any...
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    Well a claim was made relating to you and/or your...

    Well a claim was made relating to you and/or your property so it should be disclosed to any insurer you approach. The cost to you and your insurer was nil as the other party's insurer paid for it and...
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    Normally Tenant's Liability Cover within a...

    Normally Tenant's Liability Cover within a Tenant's Contents Insurance covers the tenant for loss or damage to the landlord's building that they are legally responsible for as the tenant. When I was...
  7. I am shocked that this is not asked as part of...

    I am shocked that this is not asked as part of the insurance proposal you are making but as mentioned above it must be covered somewhere. The policy book will only tell you what is and isn't covered,...
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    From my point of view (as a broker), I'm...

    From my point of view (as a broker), I'm certainly with the long-term "money in the bank" as you put it approach. A 3 year policy would mean no threat of us losing a customer after year 1 or 2 along...
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    Not a bad idea but it doesn't exist for this type...

    Not a bad idea but it doesn't exist for this type of insurance (as far as I know) and I can't see this changing anytime soon. The way Insurers assess a risk is constantly changing so it is difficult...
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    I echo the comments above really. £1,000 excess...

    I echo the comments above really. £1,000 excess for subsidence is the standard across the board with every property insurer I deal with (landlords insurance and normal home insurance). Places that...
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    Quick answer to your question is "Yes you can"....

    Quick answer to your question is "Yes you can". We've done this in the past for a couple of our customers BUT the insurers do generally want to delve into a bit more detail before giving a decision....
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    Hi Sam, welcome to the forums! It is really...

    Hi Sam, welcome to the forums!

    It is really common for newly aquired properties to have an unoccupied period at the beginning before it is occupied by tenants. This is not usually a problem for...
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    Rent Guarantee Insurance = Covers any rent...

    Rent Guarantee Insurance = Covers any rent arrears owed under the tenancy agreement by your tenant. These policies vary massively in the cover they provide so choose carefully. Ensure you read all...
  14. Most of our underwriters are still okay with...

    Most of our underwriters are still okay with overseas landlords and I've seen an increase in this type of business recently at my brokerage.

    It seems there is a growing number of insurers who no...
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    This is one of the few things we struggle with...

    This is one of the few things we struggle with here. All of our insurers shy away from this situation I'm afraid. Best bet would be your existing insurer/broker. If for any reason they decline to...
  16. There is no "normal" with these two types of...

    There is no "normal" with these two types of cover but it certainly is something that is included or can be added to an insurance policy. Some insurers/brokers will just outright say no to the cover...
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    There are no insurance companies that will cover...

    There are no insurance companies that will cover your obligations as a landlord and none that will deal with your tenants in any fashion. This is your responsibility or you pay a letting agent to do...
  18. In the unlikely event that both properties are...

    In the unlikely event that both properties are exactly the same (i.e. same postcode, building sum insured, tenant type, etc, etc.) then you might as well put them together but expect any premium...
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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...
  22. 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...
  24. 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...
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