I am a new landlord renting my property through a letting agent from 2nd of March. It's a leasehold property so already covered by buildings insurance I pay through a service charge. The letting agent will organise repairs as and when needed and bill me through the rent. The flat is unfurnished, but I am leaving the fridge/freezer, cooker and washer.
I'm reading about Landlord insurance etc an seperate cover for the white goods and I'm just a bit confused at what I need! As mentioned above, I already have buildings cover, it's unfurnished so don't need contents.. Do I still need to get the insurance?
Also, I was wondering whether to get cover for the white goods I'm leaving which will pay for repairs if needed.. But if the letting agent organises the repair and bills me, I can't go through the insurance can I as it's already been sorted through letting agent? I'm just unsure as to what I need and they haven't been much help.
Many thanks in advance!